Costa Mesa, CA Office

Schultz Financial Group provides wealth management and non-discretionary investment management to individuals, high‑net‑worth families, trusts, estates, small businesses, pension and charitable organizations, using a “Four Capitals” framework that addresses financial, physical, intellectual and psychological considerations. Its services include customized financial planning, tax and trust/estate planning coordination, charitable giving and business consulting, with additional advisory support (such as real estate and legacy planning) for very large family clients.

The firm’s investment approach emphasizes scenario analysis and the selection and due diligence of third‑party managers and private funds rather than frequent stock‑picking, and portfolios are constructed to align with each client’s written objectives. SFG manages assets on a non‑discretionary basis—preparing recommendations, monitoring performance and proposing rebalancing—but requires client consent to execute transactions, which can limit its ability to act during periods when clients are unavailable.

What distinguishes SFG from many team firms is its primary use of a fixed annual retainer and its predominantly non‑discretionary asset base; the brochure discloses over $214 million managed on a non‑discretionary basis as of December 31, 2025. The firm also routinely incorporates unaffiliated private investment funds, independent managers, and multi‑advisor coordination into client solutions, concentrating its advisory role on manager selection, planning integration, and ongoing oversight rather than delegated trading authority.