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Michael Schwartz, RFC®, CWS®, CFS

Helping You Achieve Financial Success

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About Schwartz Financial

Why We Do This?

I can only answer this question for myself. Why I do this can be traced back to my childhood. A few weeks before my sixth birthday, tragedy hit my family. One morning, I awoke to find that my father had unexpectedly passed away. At the time, my parents had the minimal insurance, very little savings, and we struggled to make ends meet. My mother tried to keep the family afloat after the passing of my father, but eventually, we had to sell the house and move in with my grandparents. Through this experience, I decided I didn’t want anyone to struggle financially should they be faced with already difficult times. I started working in the life insurance industry many years ago and then branched into comprehensive financial planning.

My goal has been and remains helping people be prepared should a catastrophic incident happen to them and their family. We are committed to helping our clients lead what we believe are better lives through wealth management, retirement planning and estate planning.

Why Our Office Is Different?

To be honest we do things differently. This industry was built on a profile of salespeople who  gave you a call when they wanted to sell you something.  This is a financial advising model that in truth is for just that salespeople.  When the market turns upside down, they hide under their desks and you never hear from them. We on the other hand touch our clients over 50 times a year.  Either with our “weekly market commentary” every Monday by email or our monthly reports (4 quarterly economic updates, 2 tax letters and a host of other timely subjects) sent the old fashion way, through the US Mail or our 4 – 6 Client Education events (usually dinners but an occasional brunch) and our two open client celebrations during the year.  This profession is made up of people who can decide what is printed on their business card.  You can be a consultant, financial advisor, insurance professional, financial planner or a host of other names.  While it is hard to speak in absolutes, some are nothing more than someone who try to fit a round peg (client) into a square hole (product).  In our office we take the time to sit and spend hours listening before we put together a plan that does its best to invest based our clients goals, values and objectives.

Fact-Based Investing:  Our Philosophy

Our investment philosophy centers around our prevailing thought about how financial markets ‘really’ work:  That is, that they’re self-contained beasts that simply do what they want, vs. what the outside world says they should do!

Most advisors trade their clients’ assets based on fundamental concerns (i.e., things happening in the world outside the markets: geopolitical events, business news and forecasts, World Bank/IMF activity, fiscal policy, Fed policy, government reports, investor-sentiment polls, etc.) - concerns that are frequently neverreflected in the markets for more than a day or two or, if they’re reflected at all, the follow-on questions of ‘Starting when?’ and ‘For how long?’, can’t be answered.  Most advisors also over-allocate client assets to academic-based methods; especially prominent among these is the heavy allocation of monies to certain asset classes, purely based on those asset classes’ historical performance (known as ‘strategic’ allocations) … even when those very asset classes haven’t done enough in recent timeframes to truly earn their way into current client portfolios at all. 

We, however, do things quite differently:  We base our investment decisions on the probabilities that certain market scenarios either will or won’t unfold, purely via real-time analyses of mathematical data from inside the markets - the place where we can actually quantify a one-to-one cause and effect on investments!

Our investment-management techniques exploit market trends that occur over multiple timeframes - weeks, months and years - with momentum as the biggest input in identifying not only ‘big’ market trends, but also the relative-strength winners among the different asset classes we use - stocks, bonds, commodities, etc. - to populate our clients’ portfolios.

We don’t ‘anticipate’ trends in markets or in individual asset classes; ultimately, those sorts of guesses are fraught with peril.  On the contrary:  We only latch-onto up or down trends when they actually come into being.  Our one-two punch of no predictions + mathematical rule-sets for entering and exiting markets and assets, works, far more often than it doesn’t - and that truism largely spares the advisorand investor the type of mental anguish that’s assured to be a constant companion with other, less-reliable methods:  the age-old ‘Do I take this trade, or not?’ agony!

In sum:  ‘What might be’ = forecast-based, fundamental-based investing; ‘Whatshould be’ = academic theories on investing; ‘What is’ = reacting to markets in real time, based on things we can quantify … that’s what we do!

Our Process

Vision and expertise are instrumental in achieving your financial goals, but it’s the process that ultimately leads to results.

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Financial Planning

True financial planning isn’t simply about using your money to make more money.

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Your Financial Security is Our Business

For the last 35+ years I have been an Independent Wealth Manager focused on Comprehensive Wealth Management.

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What is Your Risk Tolerance?

Schwartz Financial has implemented this unique tool, Riskalyze, which mathematically pinpoints a client’s Risk Number® and equips advisors to empower fearless investors.

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The Schwartz Financial Difference

How This Immigrant Entrepreneur Built A $5 Billion Healthcare Company

Tuesday, September 19, 2017 - Forbes

Zack Friedman of Forbes interviewed Shradha Agarwal, the co-founder and president of Outcome Health, the Chicago-based healthcare technology company that earlier this year raised $500 million from investors such as Goldman Sachs and Google at a $5 billion valuation. Read more...

The Luxuries People Can't Live Without (Infographic)

Saturday, September 16, 2017 - Entrepreneur Magazine

From Wi-Fi to domestic travel, there are some things we can’t even think about living without. A recent survey of more than 1,000 people asked what luxuries people could and couldn’t live without. Read more...

Should you pay down debt first, or build up savings? Here's how to choose

Monday, September 18, 2017 - Miami Herald

Simple math suggests it's likely better to get rid of debt before saving for retirement or adding to your emergency fund. But personal finance decisions are rarely so simple, and ditching debt first isn't the right choice for everybody. Read more...

Why $1 Million Ain't What It Used To Be

Monday, September 18, 2017 - Forbes

Inflation does a number on your wealth. Having $1 million used to mean you were rich. Lewis Walker explains what you can do to combat a wealth shortfall. Read more...

Why, When You Fail, You Should 'Fail Forward'

Friday, September 15, 2017 - Entrepreneur Magazine

So, you've fallen on your face? Consider that you're walking in the footsteps of Steve Jobs, Oprah Winfrey and Stephen King. Read more...

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Schwartz Financial

1105 Taylorsville Road Suite 321
Washington Crossing, Pennsylvania
18977 United States


Phone: 215-886-2122