Credo Wealth Management
Independent Financial Advisor
Hello, and thank you for stopping by! I am a husband, father, Marine, independent financial advisor, business manager, and sports fan.
It is a great honor to enjoy the following highlights:
· Perfect 5-star rating by private clients
· No commissions or minimum investment
· Published by NASDAQ, Investopedia, and Business Insider
· Featured financial advisor by Visa, Inc.
· Historically better investment returns*
*based on data from ARC Private Client Indices (PCI)
Credo means “I believe”. We believe in supporting your heritage by empowering your legacy. We are your personal advocate with fee-only management and advice, Proverbs-based principles, proven strategies, leading technology, human expertise, and historically better performance than the average investor. Credo Wealth Management was born from a passion to help people manage their finances and enjoy a fulfilling life while creating a legacy.
Daniel Schutte founded our firm upon earning his Series 7, Series 66, and Health & Life licenses. After training to be a financial advisor with a large company, he chose to become an independent Registered Investment Advisor in order to serve clients without pressure from commissions, quotas, or restricted investment and insurance options. While Dan has been conducting market research and studying wealth management for over 15 years, he now enjoys providing this service to our valued clients with both competence and care.
Dan is currently managing budgets up to $10 million for Visa, Inc. and previously served as a Marine Corps Intelligence & Operations Officer where he managed over $50 million in assets with the First Marine Headquarters Group. As a resident of Denver, Colorado, Dan is married to his wife, Sarah, and enjoys spending time making memories as a family.
Start investing in your legacy today at: CredoWealthManagement.com
Master of Business Administration (MBA), American Military University
CONTENT: All written content displayed here is for information purposes only. Opinions expressed herein are solely those of Credo Wealth Management LLC unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation. This communication may provide links to others for the convenience of our users. Our firm has no control over the accuracy or content of these other sources. REGISTRATION: Advisory services are offered through Credo Wealth Management LLC; an investment advisor firm domiciled in the state of Colorado. The presence of this communication on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute.
Welcome to Credo
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Five key concepts for portfolio allocation include:
- Diversify your risk (example: use ETFs)
- Consider your time horizon (example: gradually reduce volatility exposure)
- Prioritize your goals (example: ensure funds are liquid when you need them)
- Leverage your tax obligations (example: Roth IRA conversion vs. taxable account)
- Control your principal (example: refuse to fall prey to fear and forfeit your balance with an annuity)
Great job on your accumulation so far! Considering you still have some time to "retirement age", you may want to put those funds to work and target growth with a goal of extending your savings in retirement. The $500k in cash especially should be invested in a moderately allocated portfolio as it is losing value each year due to inflation. You might want to consider diversifying risk with a managed ETF portfolio.
A traditional or Roth IRA is a great place to start for tax advantages based on your income. After you meet the maximum annual contribution limit, you should consider an individual taxable account for additional growth potential and flexibility. You can diversify risk with ETFs.
Thank you for your service! A great way to invest in real estate without the headache of property management is a fund that contains REITs (Real Estate Investment Trusts). These funds invest your money into real estate projects and you can simply enjoy the returns. No renters or maintenance hassle! This can be managed for you in an ETF portfolio to diversify risk.
While a 457(b) may have a higher catch-up contribution limit (3 years before retirement), a 403(b) will often have much better investment options. A 401(a) typically has less flexibility and usually is more beneficial to an employer versus an employee. Note that a managed ETF normally has advantages over managed mutual funds.