"We intend to capture the returns available in stocks and bonds during favorable market conditions, but effectively mitigate risk during volatile market conditions in order to preserve gains."
What is a Portfolio?
A "portfolio" refers to an investor’s overall collection of investments, including retirement accounts, stocks, bonds, real estate, etc.
Custom Portfolio Design
Schultz Financial performs custom portfolio design for all new clients. Keeping their unique “big picture” in mind, we examine all investment assets, including:
- individual brokerage accounts
- employer sponsored retirement plans
- company stock/stock options
- variable annuities
- real estate
As part of the orientation process, Schultz Financial conducts a thorough interview and discovery process in which we help clients to better identify and quantify their wants, needs, and goals. As part of that process, we are able to assess a client's:
- current financial situation
- income needs
- appropriate risk tolerance
- tax considerations
- investment approach with which they are most comfortable.
Together, we then determine what investment strategies to utilize in the portfolio and how we should allocate those assets.
What is an "Investment Strategy?"
Investment strategies are the building blocks of a portfolio, each representing a specific asset category (e.g. stocks, bonds, real estate) and investing style (growth or value, for example). Schultz Financial Management divides investment strategies into three groups:
- Core Investment Strategies are managed with a long-term perspective and are intended to stay fully invested throughout a full business cycle (e.g. market peak-to-market peak). Our core strategies include:
- Tax Free Bonds
- Short-Intermediate Term Bonds
- Dividend High Income Stocks
- Quality Growth Stocks
- Aggressive Small Cap Stocks
- Multi-Family Residential Real Estate
- Tactical Investment Strategies are managed with a short- to intermediate-term perspective. While normally invested, these strategies may be used to raise cash or hedge risk to preserve investment gains when markets are volatile.
- High Income Bonds
- Dividend Income Stocks
- US Large Cap Stocks
- Global Growth Stocks
- Aggressive Small Cap Stocks
- Market Neutral Investment strategies are alternatives to stocks, bonds, or real estate. Here, we use a mathematically-based approach to take advantage of stock market volatility with the objective of earning attractive returns, regardless of the direction of stock or bond markets:
- Basic Volatility Strategy
- Advanced Volatility Strategy
- Long Short Strategy
Continuous Money Management
Each of our actively managed investment strategies are monitored on a daily basis. All changes are made systematically AND in accordance with our investment models agreed to by the client. By following a systematic, disciplined, agreed-upon process, Schultz Financial Management ensures that emotions do not influence buy or sell decisions.
Consolidated Investment Reporting
We provide daily consolidated investment reporting online, as well as monthly consolidated performance reports which compare a client's portfolio to a benchmark (such as the S&P 500 or NASDAQ). This way, clients always have a way to measure the performance of their portfolio against the broader market.
To obtain a detailed description of each of our investment strategies, complete the form above and download our FREE Report (see the right sidebar for details).