Richard Schultz (BS, CFP®)
Richard Schultz focuses in the
following client markets or areas of practice:
- Corporate Executives
- Estate & Generational Planning Issues
- Investment Advice with Ongoing Management
- Retirement Plan Investment Advice
- Retirement Planning & Distribution Rules
- Corporate Executives
- Estate & Generational Planning Issues
- Investment Advice with Ongoing Management
- Retirement Plan Investment Advice
- Retirement Planning & Distribution Rules
Planning Specialties
We specialize in
Retirement Planning
Cash Flow Management
Offering Second Opinion
Pacific Investment Research (PIR) manages risk-controlled portfolios.
Their investment approach combines asset diversification with a trend following methodology to reduce market risk by hedging and/or raising cash during market declines. Using a disciplined quantitative approach, PIR continuously upgrades the stock holdings in the portfolio for optimal performance.
Additional Information
Richard has been providing investment advice and financial planning services to individuals and families for over 25 years. As Chief Investment Officer, he oversees research and investment processes of Pacific Investment Research (PIR).
Prior to becoming an investment professional, Richard worked as a software engineer in Orange County, CA for over 10 years. While an engineer, he developed a deep interest and passion for investing.
In 1995, Richard earned his CERTIFIED FINANCIAL PLANNER™ certification and launched Schultz Financial Management, an independent fee-based investment advisory firm (the predecessor of Pacific Investment Research).
Early in his career, Richard followed a common investing approach, creating diversified portfolios of mutual funds across a broad array of asset classes. Disappointed with portfolio declines during the 2000-2002 bear market, Richard decided to take a more active hands-on approach to investment management going forward. This proved to be a smart decision as he helped clients successfully navigate through the great recession of 2008-2009, significantly limiting their investment losses, so their portfolios quickly recovered to pre-recession levels.
To this day, Richard continues to develop and refine the firm’s money management capabilities and risk management techniques in order to enhance PIR clients’ investing experience.
NAPFA Start Date
August 22, 2001
Visit Website
Download vCard
Disclaimer: Limitations. This list only serves as a resource to assist an individual in
identifying a potential advisor for their review and consideration. The appearance of an
adviser on the list is not endorsement by NAPFA of that advisor's services. There can be
no assurance that you will experience a certain level of results or satisfaction if you
engage a listed advisor. Except for the NAPFA membership fee, the listed advisor did not
pay NAPFA a separate fee to appear on the list.