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Paladin Certified

This advisor or firm is a vetted, documented member of the Paladin Registry.

Certified is Paladin’s highest level of due diligence for financial advisors and firms. Paladin has conducted background checks for the credentials and ethics that are documented in its Registry research reports.

Paladin provides free information services to investors who rely on planners and investment advisors to help them achieve their financial goals. Paladin is the only SEC registered firm that vets, validates, and documents the quality of financial professionals and firms (since 2003).
View Findings Report

I. Snapshot

A. Registry Member
  • Since 2009
B. Years of Experience
  • 24
C. College Degrees
  • Moorhead State Univ. , MN - BS
D. Certifications
  • CFP®
E. Financial Fiduciary
  • Yes
F. Business Philosophy
  • Read Business Philosophy

    Pacific Investment Research is a fee only financial advisory firm based in California. As a fee only fiduciary firm, we avoid any conflicts of interest because our compensation is solely derived from our clients. This means no commissions ever. Being fiduciary we are held to a higher standard of care and are required to always put our client’s best interest first. We believe in building trust through understanding your needs and desires and hence we are always eager to listen to you. Integrity, honesty and clarity are few of the cornerstones on which we have built our practice. At Pacific Investment Research, we believe in helping clients achieve their financial goals through clear, helpful communications, exceptional client service, and providing highly personalized, yet professional financial advice. We offer both comprehensive financial planning and active investment management services.

G. Asset Requirement
  • $1,000,000

II. Contact Information

A. Key Contact
  • Richard Schultz
B. Main Location
  • 942 E Chapman Ave
    Orange, California, 92866
C. Additional Locations
  • Cupertino, California
    Aliso Viejo, California
D. Telephone
  • 408.217.6888

III. Internet

B. Social Connections

IV. Firm(s)

A. Name of Firm
  • Pacific Investment Research
B. Relationship to Firm
  • Owner
C. Name of RIA
  • Schultz Financial Management Corporation
D. Name of Broker/Dealer
  • None
E. Name(s) of Custodian(s)
  • Foliofn
  • TD Ameritrade
  • Interactive Brokers

V. Credentials

A. Years of Financial Experience
  • 24 Years
B. College, Degrees, Years
  • Moorhead State Univ. , MN - BS
C. Current Certifications
D. Financial Industry Associations (Active Memberships)
  • National Association of Personal Financial Advisors
  • National Association of Active Investment Managers

VI. Registration, Licensing,
Compliance

A. RIA/IAR Registration
  • RIA
B. Type of RIA Registration
  • State - California
C. Industry Licenses
  • Securities License(s)
D. Registration & License Numbers
  • CRD: 132063
  • IARD: None
  • Insurance: None
E. State Licences
  • Financial Advice, Services for Fees: California
F. Compliance Record (Investment)
  • No Disclosures
G. Compliance Record (Insurance)
  • No Disclosures
H. Criminal Disclosure(s)
  • None
I. Additional Disclosure(s)
  • None
J. View our ADV(s)
K. Links

VII. Business Data & Practices

A. Business Philosophy
  • Read Business Philosophy

    Pacific Investment Research is a fee only financial advisory firm based in California. As a fee only fiduciary firm, we avoid any conflicts of interest because our compensation is solely derived from our clients. This means no commissions ever. Being fiduciary we are held to a higher standard of care and are required to always put our client’s best interest first. We believe in building trust through understanding your needs and desires and hence we are always eager to listen to you. Integrity, honesty and clarity are few of the cornerstones on which we have built our practice. At Pacific Investment Research, we believe in helping clients achieve their financial goals through clear, helpful communications, exceptional client service, and providing highly personalized, yet professional financial advice. We offer both comprehensive financial planning and active investment management services.

B. Minimum Asset Requirement
  • $1,000,000
C. Number of Current Clients
  • >80
D. Assets (Management, Advisement)
  • $80 million
E. Methods of Compensation
  • Hourly Fee
  • Asset-Based Fee
F. Methods of Communication
  • Face-to-Face Meetings
  • Telephone
  • Email
G. Types of Reports (Frequency)
  • Performance (Monthly)
  • Brokerage Statement (Monthly)
H. Second Language(s)
  • None
I. Value Statement
  • View Value Statement
    At Pacific Investment Research, we offer a better alternative to investing for those approaching retirement or retired. Instead of just following the markets up and down, we perform active portfolio management so your money can continue to work for you no matter what the markets are doing Active portfolio management seeks to take advantage of stable or rising asset prices when markets are performing favorably, but also protect against market declines. Here’s how our investment approach can benefit you: • Invest for higher returns – You can confidently allocate a larger portion of your portfolio to stocks or high yield bonds, knowing that we are carefully managing downside risk. • Limit Losses During Bear Markets – Our active investment strategies are designed to systematically reduce market exposure during market declines. • Profit from Volatility – Instead of the usual buy-and-hold approach, we strive to take advantage of market volatility, up or down, to enhance your returns.

VIII. Clients & Services

A. Types of Clients
  • Individuals & Couples (Working)
  • Individuals & Couples (Retired)
B. Types of Financial Services
  • Planning Advice & Services
  • Investment Advice & Services
C. Discretionary Asset Management
  • Discretionary and Non-Discretionary
D. Limited Engagement Services
  • Investment Portfolio Reviews

IX. Certification

Advisor Name
  • Richard Schultz
Most Recent Update:
  • Dec 11, 2018

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