An approach that is designed to inspire you to lead a fulfilled life.
Since 1982 we have approached wealth management differently by focusing on our clients’ Four Capitals. The Four Capital approach is based on objective, goal-based advice. Simply put we are all artisans of our own lives, each pursuing our own craft, constantly striving to get more from life, to live in a balanced state. Our team works with you to build your wealth across Four Capitals – Financial Matters, Physical Well-being, Intellectual Engagement, and Psychological Space.
We believe art is about how it makes you feel and the meaning it carries – not the physical canvas or block of clay. It’s what an artist does with these materials. An artist starts with a vision and creates a work of art – very much like your accumulation of wealth. Think of your Four Capitals as a work of art – you define what each capital means to you and what you want to do with them. We are here to guide you in your pursuit and practice of all Four Capitals.
Financial Matters
Expand your financial success.
Your vision has resulted in a work of art. Our team strives to help you build upon your collection of success.
By not limiting our palette, we are able to forge a plan which mirrors your lifestyle, personal and professional considerations, and of course your future plans. This is the SFG difference: creative, fiduciary thinking across financial and all other aspects of your life. We are committed to doing what is right for you.
When exploring your financial outlook, we must design for your lifestyle. We believe preserving, managing, and transferring wealth should be done in a manner which builds upon your life’s Four Capitals.
Explore how to grow your financial wealth.
Your financial success started with you, let us help you build upon that success.
Wealth Management
Our personalized wealth management solutions are designed to protect your assets and maximize your legacy.
Learn MoreInvestment Management
We don't just help you navigate markets; we help you navigate life. We build customized risk-return portfolios for each client so that it fits their unique needs.
Learn MoreFamily Office Services
Our family office services are personalized for your individual needs. For families who have more than $20 million in net worth, we serve as your strategic personal advisor and work with you to clarify your goals, your family's goals, and help build your legacy.
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Physical Well-being
Invest in your health.
Your health influences your decision-making.
As one of your Four Capitals, we work with you to encourage and support healthy choices. We champion a mindset for you: to have the ability to physically enjoy tomorrow. We are passionate about sharing in this exploration. Molding a healthier lifestyle allows you to explore new expressions of yoga, run your first 5K, or simply improve your well-being and enhance your quality of life.
Your team at Schultz Financial Group will advocate for your health. And, when the need arises, we are here to help you navigate the world of science and healthcare.
As a client, you’ll enjoy access to the SFG Wellness Program, whose mission is to provide you with essential tools, insights and support to improve health outcomes, achieve health goals and experience joy along the way.
- Access to the SFG Library, including a collection of books and evidence-based research on topics that impact your health
- Subscription to the Tufts Health & Nutrition Letter
- Explore opportunities to improve your physical well-being and quality of life
Intellectual Engagement
Explore new and exciting opportunities.
Your Intellectual Capital is one of your most valuable assets and it evolves throughout your life.
Perhaps you are no longer working in Corporate America, the medical field, or managing your own business, but you are still you – the person who wanted to be challenged and engaged and learn something new.
Much like the artist who desires to learn a new medium, then incorporates it in the next natural progression, your inner artist needs to continue to discover, develop, and learn.
Knowledge is not acquired just while you are young, used in a career, and then retires when you do. Learning is lifelong. It’s a natural desire, an intellectual curiosity to follow something that interests you, giving you unlimited concentration and satisfaction as you pursue it to its natural end. This satisfaction helps you achieve a gratifying and fulfilled life.
We help identify opportunities for you to harness that natural desire and transform it to your next career, avocation or hobby using your personal skills and experience to positively impact your future.
- Identify your strengths to help you find a natural second or third career
- Explore options and strategies for starting a business or changing careers
- Pinpoint education needed to achieve life goals and aspirations
Psychological Space
Create a balanced state of mind.
Evolving the way you think and feel about your wealth.
Express yourself. Your headspace matters. Your Psychological Capital encompasses and influences your other three capitals. Money can involve complexity. Whether it is in the family unit or professional world, these complexities typically require mental flexibility, strength, and space to process your feelings, thoughts, and values. We believe keeping a clear mind and a healthy attitude are part of a wealthy fulfilled life.
What values do you want your family legacy to reflect? How can you support your family in their individual pursuits? What brings you joy and how can you share that with others? SFG has built a team of advisors that shape a plan around your lifestyle choices, charitable giving strategies, and other life goals and aspirations. We partner with your existing professional relationships to ensure your long-term plan is centered on you.
- Help you identify your family’s values and plan for your legacy
- Help spouses determine mutual risk tolerance
- Coordinate estate preservation and distribution
- Manage family asset distribution and business succession
- Work with you to define your charitable goals
- Provide you with resources and estate planning options for your pets (because they are family too!)
Not all services will be appropriate or necessary for all clients, and the potential value and benefit of Schultz Financial Group’s (“SFG’s”) services will vary based upon a variety of factors, such as the client’s investment and financial circumstances, the client’s tax bracket, the nature and amount of the client’s employer and outside benefits, the client’s level of cooperation and communication, and the client’s overall objectives. The effectiveness and potential success of a financial plan depends on a variety of factors, including but not limited to the manner and timing of implementation, coordination with the client and the client’s other engaged professionals, and market conditions. Statements regarding the clients served by the firm are not indicative of any client experience or level of satisfaction in working with SFG. Adherence to our fiduciary duty is not a guarantee of client satisfaction or any particular outcome. A financial adviser’s compensation structure should not be viewed as the sole determining factor in obtaining or retaining their services. The receipt of personalized and tailored services, or the client’s access to financial or professional resources should not be construed as a guarantee of a particular outcome. All investing comes with risk, including risk of loss.
