You may have come to the US from Afghanistan, Cambodia, China, Finland, Germany, India, Japan, Indonesia, Russia and other parts of the world. Despite cultural differences, you and Kathy Shultz, founder of Shultz Financial Planning, have something in common; you are first generation Americans or recent immigrants in the US.

It can be difficult to learn a new language, understand a new culture, and develop a new support system. You may find it even more difficult when it comes to getting honest, professional financial advice to manage your hard earned money.

You have traveled from far and away to fulfill your family’s dreams. Kathy would like to be your financial bridge as you continue your journey in this land of opportunities.

Education may be the best gift that you can give to your children. The cost of college is constantly rising and savings options are confusing. We will help you evaluate different options and develop a plan to help your children realize their dreams.

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We have seen how the recent market volatility can adversely affect one’s retirement planning within a very short amount of time. We cannot predict the next market downturn but we can definitely prepare for it with a diversified retirement strategy.

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With overwhelming and, at times, conflicting information coming from the media, the Internet, your financial advisor, your peers and your family, how can you discern the information and analyze your investment decisions with confidence? We will provide you with unbiased, professional investment advice that you need at every stage of your life.

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Death, disability, health care, and long-term care costs can quickly wipe out your lifetime of savings. A financial plan is not complete until you have the proper risk management in place. We can help you assess and mitigate the potential financial impacts of various risk factors that your investments may be exposed to.

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Understanding your cash flow needs and finding the resources to meet those needs helps you stay out of debt and subsequently provides the resources to save money to invest towards your financial goals. We have tools to analyze your cash flow needs.

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A good estate plan will help safeguard your property and assets so that you can pass on your legacy the way that you want. An estate plan will also, help ensure that your estate taxes and other costs are minimized, that your health care wishes are honored, and that your loved ones are provided for according to the terms of your Will and their needs.

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