Schulz Ratio Creator | Chartered Retirement Planning Counselor | Decumulation Specialist | Accredited Asset Management Specialist | Wealth Advisor
A Lifelong Journey in
Wealth Preservation:
Paul Schulz didn’t just stumble into the world of financial advising; he was shaped by his experiences growing up in a family that believed in the value of hard work and legacy. Watching his parents build their wealth brick by brick, he learned that true financial success isn’t just about the numbers — it’s about ensuring that the fruits of your labor continue to benefit future generations.
With 25 years of experience as an advisor, Paul has made it his mission to help clients build secure legacies that last. From helping families navigate uncertain markets to preserving their wealth for future generations, Paul is passionate about making the complexities of retirement planning approachable and empowering his clients to live their "diamond years" without fear.
His proprietary strategies, like the Schulz Ratio, are born from decades of observing market patterns and ensuring that even in uncertain times, his clients’ financial futures remain protected.
Mastering Decumulation:
Crafting Tailored Financial Blueprints for the Diamond Years
Paul’s success as a financial advisor is driven by his deep understanding of the decumulation phase — that critical period when retirees begin drawing down their assets while working to maintain security and peace of mind. Unlike many advisors who focus solely on accumulation, Paul has developed a keen expertise in helping clients navigate the often-overlooked complexities of decumulation. Utilizing an Income Floor With Upside and his Barbell Strategy, he aims to balance safety and growth, helping clients strive to enjoy their retirement years with greater confidence and reduced concern about outliving their savings.
Paul’s experience spans three generations of families whom he has helped to approach retirement with personalized guidance and adaptable strategies. By blending traditional methods with innovative approaches, Paul works to ensure that each client’s
retirement plan is both resilient and flexible enough to help withstand changing economic conditions.
The Diamond Years of Retirement
A New Cutting Edge Philosophy in Retirement Planning
The phrase “the golden years” was coined in 1959 in an advertising campaign for America’s first large-scale retirement community. It quickly caught on as a phrase to symbolize a time of life characterized by comfort, security, and the luxury of time.
After visiting many clients in assisted living and nursing homes, Paul realized that retirees have only a few years that are actually “Golden.” Paul observed that some of his clients aged very rapidly and was astonished, that few seemed to be conscious of how precious time was. Paul had an epiphany, retirees were possibly uninformed because the financial planning industry was not highlighting the precious few years after normal retirement age. Essentially what was missing in traditional planning was the consciousness of the “Diamond Years” in retirement. Those few years a retiree has the health, energy and desire to be fully active with leisure activities.
Consequently, Paul reasoned it was instrumental that retirees develop a three to five year life plan in conjunction with a retirement plan. The reason being that the retirement plan should help a retiree accomplish their life dreams in those “Diamond Years” of retirement.
Paul is passionate in helping retirees create a vision of ideal retirement and then implement wealth strategies to help retirees to take full advantage of the Diamond Years. His approach is cutting edge and is being given national attention from other advisors.
Faith, Family, and Financial Integrity:
The Core of Every Decision
At the heart of Paul’s practice is a commitment to faith, family, and financial integrity. For him, advising is more than just a profession — it’s a calling. Paul believes that every financial decision should reflect a deeper purpose, one rooted in the values he holds dear. That’s why he takes the time to truly understand his clients' goals, values, and family dynamics before offering any advice.
His clients know that when they work with Paul, they’re not just getting a financial advisor — they’re gaining a partner who cares as much about their future as they do. This commitment extends beyond the office, as Paul actively participates in his community through local charitable organizations and church activities. Whether he’s volunteering at a sports event or serving in his faith community, Paul leads by example, living out the very values he promotes in his work.
Schulz Ratio:
A New Way to Examine Market Trends and Relative Value
When Paul first developed the Schulz Ratio, his goal was to create a framework for comparing stock market valuations to more conservative investment benchmarks. This analytical approach helps illustrate how different market factors, such as earnings growth and interest rates, can interact over time. It’s one of several educational tools Paul uses to help clients better understand market dynamics and make informed decisions aligned with their individual goals and risk tolerance.
Hiking, Family Time, and the Gym:
Balancing Life with Purpose
Outside of work, Paul lives by the same values he promotes in his practice — balance, dedication, and purpose. An avid hiker, Paul finds peace and clarity on the trails, often taking time to reflect on how the simplicity of nature parallels the kind of clarity he aims to bring to his clients' financial lives. He’s also a regular at the gym, believing that physical fitness is an essential part of overall well-being.
But above all, Paul’s favorite way to spend his time is with his family. Whether it’s a weekend hike, a family dinner, or cheering at a local sports event, Paul is dedicated to being present and involved in the lives of his loved ones. This balance of work, faith, and family allows Paul to approach each day with renewed energy and purpose, a mindset that resonates deeply with his clients.
A Husband, Father, and Guide to
Three Generations
of Financial Security
For Paul, family is everything. As a devoted husband and father, he knows firsthand how important it is to have a solid financial foundation. It’s this understanding that drives him to help families build legacies that last through generations. Paul’s clients trust him because he approaches their financial planning with the same care and thoughtfulness that he applies to his own family’s future.
Having guided three generations of families through market ups and downs, Paul has developed a unique perspective on what it takes to create long-term security. His clients know that they’re not just getting advice — they’re gaining a partner who truly understands what it means to plan for the future while protecting what matters most today.
Guided by Faith, Dedicated to Protecting
Your Financial Future
Faith is the cornerstone of Paul’s life and the foundation upon which he builds his financial practice. His belief in honesty, stewardship, and integrity influences every decision he makes — both in his personal life and in the advice he offers his clients. For Paul, financial planning is about more than just accumulating wealth; it’s about protecting and preserving what matters most so that his clients can live with peace of mind. His faith gives him a deep sense of responsibility to do right by the people he serves, and that commitment is reflected in the trust and loyalty of his long-standing client relationships.
Discover How to Protect Your
Wealth and Retire with Confidence
Are you ready to safeguard your assets, build a lasting legacy, and enjoy your Diamond Years without financial stress? Schedule a complimentary, no-obligation consultation with Paul Schulz today, and let him:
This personalized session is your opportunity to eliminate uncertainty and take charge of your financial future—before it’s too late.
Ready to take the next step?
Schedule your free consultation with Paul Schulz today and start building your unbreakable retirement plan.
Paul Schulz Financial - All Rights Reserved 2025
The Schulz Ratio is an educational concept and should not be interpreted as a forecast or guarantee of future performance. Its assumptions are illustrative and may not reflect actual market results. All investments involve risk, including possible loss of principal.
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