Pacific Investment Research

Richard Schultz

At Pacific Investment Research, you work directly with the investment expert who is managing your assets on a daily basis.

How does this benefit you?

  • We don’t force you into cookie-cutter portfolios based on your age and a simple risk profile. Instead, your portfolio is tailored specifically to you.
  • You participate in the development of the investment approach, so you understand it and feel good about it.
  • Your portfolio reflects your investing preferences, goals, needs… not someone else’s.
  • You can be a more active participant in your wealth management.

Richard Schultz, CFP®
President and Chief Investment Officer

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.

Prior to becoming an investment professional, Richard worked as a software engineer in the fields of aerospace and bio-medical instruments.  While an engineer, he developed a deep interest and passion for investing.  After obtaining his securities license in 1991, he started in his new profession by preparing financial plans and recommending mutual funds to individual investors.  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.  He drew on his engineering background to develop quantitative methods that would systematically reduce risk during market declines.  This proved to be a smart decision during the great recession of 2008-2009, where he was able to significantly limit client losses. Client investment portfolios recovered to pre-recession levels a full year ahead of the general market.

To this day, Richard continues to develop and refine the firm’s money management capabilities and risk management techniques in order to enhance their clients’ investing experience.

Richard’s credentials include a Certified Financial Planner® designation as well as a FINRA Series 7 securities license.  He is a member of the National Association of Personal Financial Advisors (NAPFA) and the National Association of Active Investment Managers (NAAIM).  Richard is also rated as a 5-star advisor in the Paladin Registry, and an approved MD Preferred Services™ provider to physicians.

Richard is most satisfied when he delivers exceptional service and results for his clients.  Richard lives with his wife and two daughters in North Tustin, CA.   In his free time he enjoys hiking and golfing.

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