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

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.