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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

What could make divorces more contentious? The new tax law

Friday, February 23, 2018 - Chicago Tribune

Divorcing couples may have a harder time settling their finances beginning next year due to a change in federal tax law, and attorneys warn that could add some bitterness to an already sour process. Read more...

Why Markets Have Gotten So Jumpy

Saturday, February 24, 2018 - New York Times

To understand the wild swings on Wall Street, consider a farm town, a long drought and the cost of flood insurance. Read more...

These 2 Words Are the Trick to Scoring a Flight Upgrade

Thursday, February 22, 2018 - Fortune

British writer Tilly Bagshawe is the New York Times best-selling author of more than a dozen novels. She's a frequent traveller, and has shared her top tips for everything from packing perfume to scoring an upgrade. Read more...

How to File Your Child's First Income Tax Return

Thursday, February 22, 2018 - Investopedia

Filing the first income tax return in a child's name is a milestone parents might not anticipate, even though it will be part of almost every child's growing-up experience. Read more...

Hidden homeowner tax benefits in new budget deal can be used for 2017 taxes

Thursday, February 22, 2018 - Chicago Tribune

Call it buried tax treasure for homeowners: Deep inside the behemoth 654-page bipartisan budget bill recently signed into law by President Donald Trump are little-noticed extensions of key tax-code benefits that expired in 2016, but now can be used for upcoming 2017 tax filings. Read more...

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Schwartz Financial

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


Phone: 215-886-2122