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The Cycle of Investing

Understanding the cycle of investing may help you avoid easy pitfalls.

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Contact

Office: 520-495-2800

Mobile: 520-468-7587

6849 North Oracle Road

Suite 175

Tucson, AZ 85704

info@schulzfinancialgroup.com

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*2025 Outstanding Small Business, created by Oro Valley Chamber of Commerce. This award is based on business achievements, community involvement, and leadership. It is not specific to financial services and does not imply an endorsement, recommendation, or reflect the performance of the advisor. Membership with the Chamber is required to win and based upon the inclusive period of calendar year 2024. Nominations are evaluated by a panel of volunteers that does not include Chamber staff and no compensation was provided by Schulz Financial Group.

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Opinions expressed herein are solely those of Five Speed Financial Planning LLC, d.b.a. Schulz Financial Group and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Advisory services are offered by Five Speed Financial Planning LLC, d.b.a. Schulz Financial Group, an SEC Investment Advisor. Being registered as an investment advisor does not imply a certain level of skill or training. Insurance products and services are offered through Milestones Insurance, an affiliated company. Purchases are subject to suitability. This requires a review of an investor’s objective, risk tolerance, and time horizons. Investing always involves risk and possible loss of capital.

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Mary Schulz's SmartVestor Disclosure
SmartVestor™ is an advertising and referral service for investment professionals operated by The Lampo Group, LLC d/b/a Ramsey Solutions® ("RS"). When you provide your contact information through the SmartVestor site, RS will introduce you to up to five (5) investment professionals (“Pros”) that cover your geographic area, including Mary Schulz ("Adviser") with SCHULZ FINANCIAL GROUP. RS is a paid, non-client promoter of Pros. Adviser has entered into an agreement with RS under which Adviser pays RS compensation for participating in the SmartVestor program, resulting in a material conflict of interest. Due to the compensation received by RS, it has a financial incentive to introduce you to Pros, including an incentive to present certain Pros that offer their services on a national basis ("National Pros") more often than other National Pros that pay lower fees.

Adviser compensates RS through a combination of fees, a flat monthly membership fee of $400 and a flat monthly territory fee of $900 to advertise Adviser’s services through SmartVestor and to receive client referrals from interested consumers who are located in Adviser’s geographic area. The fees paid by Adviser to RS are paid irrespective of whether you become a client of Adviser and are not passed along to you. However, you should understand that all of the Pros that are available through SmartVestor pay RS fees to participate in the program. Further, the amount of compensation each Pro pays to RS will vary based on certain factors and choose to advertise in local or national markets.

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