Schultz Financial Group

What Schultz Financial Group does

Schultz Financial Group Incorporated (SFG) is an independent, fee-only Registered Investment Adviser founded in 1982 and headquartered in Reno, Nevada, with a secondary Reno office. The firm delivers wealth management, investment management, and family office services to high-net-worth individuals and families, small business owners, corporate executives, and ultra-high-net-worth families (defined as those with more than $20 million in net worth) across Nevada, California, and other U.S. states. SFG is a NAPFA member since 1985 and operates under a fiduciary standard, accepting compensation solely through client fees rather than product commissions.

The firm's product platform is organized around Wealth Management (financial planning, retirement, tax, estate, risk management, charitable giving), Investment Management (customized portfolio construction with access to alternative investments, scenario planning, and a three-part investment/operational/ongoing due diligence process), and Family Office services for $20M+ households, complemented by a Donor-Advised Funds advisory service and a Business Consulting add-on for entrepreneurs and professionals. The core intellectual framework is the proprietary "Four Capitals" methodology, which extends beyond financial capital to address Physical Well-being, Intellectual Engagement, and Psychological Space, supported by an SFG Wellness Program that includes a research library and Tufts Health & Nutrition Letter subscription.

SFG's go-to-market is consultative and referral-driven: prospective clients initiate engagement via the firm's website, phone, or referral and proceed through personalized consultations before onboarding. Revenue is generated through customized, recurring advisory and management fees billed annually, with no public fee schedule. Distribution is direct via a sales-led advisory motion with no disclosed channel partners or external salesforce. The firm markets itself primarily through content marketing via the SFG Insights blog, NASDAQ contributor articles, email newsletters, LinkedIn, webinars, and a proprietary library. Ownership is private, founder-operated, with no disclosed parent company, private equity, or venture capital backing.

Name

Schultz Financial Group

Legal name

Schultz Financial Group Incorporated

Website

https://sfginc.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

1–10 employees

Short description

Schultz Financial Group is an independent, fee-only SEC-registered investment adviser founded in 1982 in Reno, NV, providing wealth management, investment management, and family office services to high-net-worth individuals and families in Nevada, California, and other U.S. states.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Trusts, Estates, and Agency Accounts (525920)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industries

Personal & Family Trust Services (FSAAANAA), Philanthropy, Foundations & Grantmaking Advisory (FSAAADAG)

Keywords

• Wealth management services
• Investment management advisory
• Family office services
• Financial planning advisory
• Fee-only fiduciary advice

Headquarters

HQ city

Reno

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Advisory and Management Fees: SFG operates as a fee-only, fiduciary advisory firm. They are compensated solely by client fees rather than commissions on financial products, ensuring alignment with client interests. Specific fee structures are not publicly disclosed and are tailored to individual client circumstances and assets under management.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Schultz Financial Group is an independent, fee-only financial advisory firm based in Reno, NV that delivers wealth management, investment management, and family office services to high-net-worth individuals and families. The firm coordinates financial planning, retirement planning, tax planning, estate planning, risk management, and customized portfolio construction, including private and alternative investment opportunities. Services are delivered through a consultative, fiduciary advisory relationship supported by the firm's proprietary Four Capitals methodology.

Product overview

Schultz Financial Group (SFG) is an independent, fee-only financial advisory firm that offers a unified wealth management platform centered on its proprietary Four Capitals approach. The core offerings include Wealth Management (financial planning, tax planning, estate planning, risk management), Investment Management (customized portfolios with access to alternative investments), and Family Office Services (for clients with $20M+ net worth). These services are complemented by the SFG Wellness Program addressing Physical Well-being, scenario planning for risk management, and investment due diligence services. The firm's Four Capitals methodology extends beyond Financial Matters to encompass Physical Well-being, Psychological Space, and Intellectual Engagement, creating a holistic advisory experience rather than a modular software product.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management Integrated wealth management solutions for high-net-worth individuals and families, encompassing financial planning, retirement planning, tax planning, trust and estate planning, risk management, cash flow management, and charitable giving strategies. The firm coordinates these services to protect and grow wealth while maximizing legacy.
• Investment Management Customized portfolio construction and ongoing management including private investment opportunities across private credit, real estate, energy, and alternative strategies. Employs scenario planning for risk management and conducts thorough Investment, Operational, and Ongoing Due Diligence on managers and strategies prior to inclusion in client portfolios.
• Family Office Services Personalized family office services for clients with more than $20 million in net worth. Acts as strategic personal advisor to help clarify individual and family goals, establish family governance, manage multi-generational wealth transfer, and build legacy across generations.
• SFG Wellness Program Client wellness program providing access to the SFG Library of books and evidence-based health research, a subscription to the Tufts Health & Nutrition Letter, and additional resources supporting physical well-being and quality of life as part of the Four Capitals approach.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• National Association of Personal Financial Advisors (NAPFA)coreOthersSFG has been a member of NAPFA since 1985. As a member, they sign a Fiduciary Oath committing to always act in clients' best interests, proactively disclose conflicts of interest, and not accept fees contingent on product sales. NAPFA membership signifies adherence to fee-only financial advisory standards.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Creative Planning: Large, nationally recognized fee-only RIA serving HNW and UHNW households with comprehensive wealth, investment, and family-office-style services. Highly comparable to SFG in fee-only fiduciary model and HNW focus, though significantly larger in scale.
• Mariner Wealth Advisors: National RIA offering wealth advisory, investment management, tax, estate, and family office services to HNW and UHNW clients. Directly comparable to SFG across the full wealth management and family office service set, though at much larger scale.
• Hightower Advisors: National RIA platform serving HNW and UHNW clients with wealth planning, investment management, and family office services through partner firms. Comparable to SFG in HNW client focus and wealth management offering, structured as an aggregator of advisor teams.
• Carson Group: Wealth management firm serving HNW households and financial advisors, offering financial planning, investment management, and business coaching. Comparable to SFG in serving HNW clients and offering holistic planning, but operates a partnership/affiliate model rather than a single local office.
• Buckingham Strategic Wealth: Fee-only RIA providing wealth management and financial planning to HNW individuals and families, with an evidence-based investment approach. Comparable to SFG in fee-only fiduciary positioning and HNW clientele.
• Moneta Group: Fee-only RIA providing comprehensive financial planning, investment management, and family office services to HNW individuals and families. Comparable to SFG in fee-only fiduciary model, holistic planning approach, and HNW/UHNW focus.

Broad incumbents

• Edelman Financial Engines: Large national wealth management firm offering investment advisory, financial planning, and retirement services to a broad mass-affluent and HNW base. Comparable service mix to SFG but much larger scale and broader, less relationship-intensive client base.
• Fisher Investments: Large RIA primarily focused on discretionary portfolio management for HNW and institutional clients. Comparable investment management capability to SFG but operates at much greater scale and with less emphasis on local, holistic family-office-style engagement.
• Charles Schwab Wealth Advisory: Schwab's fee-based wealth advisory offering for HNW clients combining dedicated advisors with the broader Schwab platform. Comparable investment management and planning services to SFG, but delivered by a major custodian with significant scale advantages.

Emerging players

• Facet Wealth: Digital-first fee-only financial planning firm serving HNW households with virtual CFP-led advice at flat fees. Comparable to SFG in fee-only fiduciary positioning and HNW target, but differentiated by a tech-enabled, remote-delivery model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/schultz-financial-group-inc.

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Schultz Financial Group