Greath Wealth -Investment Information & Services

Financial Plans

Did your personal investment portfolio take a drastic hit during the 2008 – 2009 financial meltdown?

Are you frustrated and angry that a lifetime of hard work building your assets and net worth could vanish overnight? Is your financial security being threatened?

If so, it’s not your fault. You played by the rules.  You got an education; you worked hard at a good job for years, possibly decades; you sacrificed some nice vacations and nice cars to save 10 percent or more of your gross income for many years. In short, you did everything by the book.  Just like all the experts said you should do.

You had everything planned for retirement and beyond…

And then, in the span of a little over six months, you watched your portfolio take hit after hit. Downward market movements rocked your economic stability, thwarting your financial goals.

The financial security you planned for you and your loved ones suddenly seemed beyond reach.

The financial meltdown of 2008-2009 was devastating for most investors. Many witnessed the value of their portfolios plummet possibly by 50 percent or even more.

You are NOT alone.

Fortunately, there is good news.

The character, fortitude and intellect necessary to once build your net worth are still intact. You have the discipline, strength and determination to pick up the pieces and make tomorrow better than today, or even yesterday.

You’re smarter and have more life-experience than most of the 30 or 40 something pundits and prognosticators on television and in the papers who continually spew investment pornography, day after day.

Their objective is to make the sale based on the investments that their corporate marketers are pushing them to make. These investments may or may not be good for you personally.

The pundits, along with those wearing $2000 suits on Wall Street, got big paychecks and bonuses while your portfolio took a hit.

Wouldn’t you rather work with someone who has YOUR benefit in mind instead of the next rung on the corporate or personal comfort ladder?

You’ve worked hard to build your net worth, wouldn’t you like to develop an investment strategy that matches your intellect, experience and wisdom while by-passing all the so-called experts?

Unfortunately, There are Minimal Standards for Financial Advisers

Regrettably, the educational standards and requirements for financial advisers are minimal. An advisor could be a high school drop out, rent an office, pass a securities exam and then be selling you stocks all within a span of a few months.

While exams such as the Series 6, 7 and 63 fulfill the industry regulatory requirements, they really offer the advisor little to no experience when it comes to real-life situations.

Is this the type of advisor you want to trust when it comes to planning for your future and investing your life savings?

A Systematic, Scientific Approach to Investing

My financial advising services are built on science, facts and analysis, not hype.  My objective is simple: to help YOU raise your return, reduce your risk and cut your costs.

Wouldn’t you like to work with an adviser who has experience that includes a career of corporate investing, institutional investing, personal investing, financial management and engineering?

Do You Know What’s Really in Your Portfolio?

One of my clients approached me after the last meltdown, in 2002, which he had been through with an adviser from a major financial firm.  After scientifically evaluating his portfolio, I asked him:

“Were you aware that 30 percent of your portfolio is in international stocks, which tend to be riskier than both domestic stocks and bonds?”

To my surprise, he said:  “No.  I had no idea…I trusted…”  And not long thereafter, about the time he was transferring his assets over to the Schulz Financial/TDAmeritrade team, his long time advisor from the major firm left town and moved…to the Cayman Islands…

Do you know what your portfolio is invested in or, are you going on the marketing names of the companies and mutual funds you’re investing with? Wouldn’t you like to know what’s really under the hood?

A GreatWealth.com financial plan will allow you to see exactly what funds your current mutual funds actually hold so that you are properly invested based upon your personal risk tolerance and time horizon.

Three Factors That Impact Your Investments

Are you aware that three factors determine approximately 90% of your portfolio’s performance? Would you like to learn what these three factors are and how they impact your portfolio’s performance or, how they could in the future?

Would You Like to Reduce Your Mutual Fund Costs by 67%…

…While Likely Improving Your Return and Reducing Your Risk?

Yes, it is possible.  Granted, it’s not what makes Wall Street the biggest commissions or strokes the pundits’ egos, but it’s what leaves YOU with the most money in YOUR pocket, where it belongs. After all, wouldn’t you rather have the money in your pocket instead of theirs?

You earned the money.  Aren’t you the one who deserves the Caribbean cruise instead of some Wall Streeter in a $2000 suit?

You’re successful enough to have produced a retirement portfolio that’s in the hundreds of thousands or millions of dollars. A GreatWealth.com financial plan gives you the comfort and satisfaction of knowing that your portfolio is in peak operating order.

Will You Be in a Stable, Comfortable Position at 60?…70?…80?

* Will you have enough money to pursue your dreams?

* Are you ahead or behind in your progress toward your financial goals?

* Will you have enough to put your children through college?

* Are you getting maximum tax efficiency?

* Are you minimizing investment costs?

* Did you ever ask: “Which investments should I pick?”

* Is your 401(k) achieving peak performance?

* Are you getting the most return possible for the risk you’re taking?

* Are you taking too much or too little risk?

Each of the above questions has a scientific answer.

Do you know those answers?

A GreatWealth.com financial plan will help you address each of these questions and investing concerns. An optimized portfolio allows your investments to work harder for you. After all, didn’t you work hard to obtain your investments?

A Personalized Blueprint to Achieve Greater Financial Security

Contrary to the investment strategies of the most major firms, one-size does not fit all investors. Your risk tolerance and time horizon is unique. Shouldn’t your portfolio reflect your unique financial goals and objectives and not those of your friends and neighbors?

I put the research and findings of Nobel Prize winners in economics to work for you.  I utilize decades of evolving research, applying facts and reason to develop financial plans tailored to my clients’ individual financial goals and objectives.

I use Principia, a software package from Morningstar, to analyze, evaluate and optimize my clients’ portfolios based upon their individual risk tolerance and time horizon.

Every GreatWealth.com Financial Plan Assesses the Following 7 Things

1. X-Ray Vision of Your Current Mutual Funds.  Fund names (small cap, value, etc.) frequently don’t represent the assets a fund actually holds. Principia uses style-based analysis (SBA) to determine what’s actually inside your current fund.

2. Projection of Your Current Portfolio’s Performance.  Applying SBA and its database of over 8,000 mutual funds, which includes virtually every fund that has been in existence for over three years, Principia evaluates your current portfolio and projects its performance into the future.

3. Risk Tolerance Measurement and Application.  Using your unique combination of risk tolerance and the time horizon you have available will determine what investments are best suited for you.

4. Generate a Recommended Optimal Mix of Assets. Based on your risk tolerance and time horizon, Principia recommends a generic mix of assets to put you on the efficient frontier.  The efficient frontier is an optimal mix of assets that maximizes return for a given amount of risk, or minimizes risk for a given amount of return.  Harry Markowitz, PhD, received the Nobel Prize in economics for developing mean variance optimization (MVO), which is the math and statistics that generate the efficient frontier.

And yes, we look under the hood of the funds we recommend to you so that you get what’s optimal for you.

5. Project Your Future Wealth.  Through incorporating your current portfolio, existing and projected cash flows (SEP/401K contributions, etc.), Principia generates a financial projection for your full life expectancy, comparing the proposed portfolio to the projections of your current portfolio.

Typically, our clients’ portfolios are still growing when they reach their life expectancy, so if you live to be 120 years old, you’ll have more inflation-adjusted money when you expire than when you retired.

6. Pick the Best Investments from What You Have Available.  Using style based Analysis (see step 1), your recommended optimum asset mix (step 4) and the subset of mutual funds available through your employer (and Schulz Financial for stranded 401K funds and non-401K funds), Principia picks the optimal set of funds for you.

7. Generate a Final Report and Explain how to Implement the Plan. Principia generates a comprehensive report of all of the above analysis.  And more importantly, we review it with you until you fully understand how everything works.

Click here to see a Sample Schulz Financial Plan

Invest in Your Future

You’ve worked hard to build your net worth, wouldn’t you like to develop an investment strategy that matches your intellect, experience and wisdom?

Does obtaining a customized financial blueprint for generating wealth tailored specifically to your risk tolerance and time horizon, interest you?

For an investment of $595.00, a small fraction of your portfolio’s value, you can have a customized financial plan that will be an investment in your future.

Please contact me today at Rodney@greatwealth.com to learn how you can put my systematic, scientific approach to investing to work for you.

It’s a privilege to have the opportunity to serve my clients by helping them achieve their financial goals and invest in their future.

Best Regards.

Rodney R. Schulz