Hello, and thank you for reading! I am a husband, father, Marine, independent financial advisor, business manager, and sports fan. Your personal goals and dreams are important to me. We offer a comprehensive approach to customize your financial plan. Our vision is to help invest in your legacy!
It is a great honor to enjoy the following highlights:
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*based on data from ARC Private Client Indices (PCI)
Schutte Financial provides trusted solutions for personal finances and wealth management, including custom planning, investments, and insurance. Credo means, “I believe.” Our credo as your advocate is to help achieve your goals by empowering you to believe in your heritage and invest in your 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.
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Master of Business Administration (MBA), American Military University
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Advantages of mutual funds include excellent diversity and potentially more active management. Disadvantages can include higher expense ratios and unncessary internal buying and selling by the fund manager. If you would like the diversity of multiple funds with a lower expense ratio, you might want to consider an Exchange Traded Fund (ETF) portfolio that has a variety of types to include growth, value, domestic, and foreign stock mixed with bonds based on your goals and time horizon.
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)
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.
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.
Rising interest rates have a negative affect on income investments such as bonds. Based on your goals and time horizon, you can cushion this risk by including stock funds in your portfolio. Stocks historically have much greater return, so if your bond funds dip, you should have a much better outcome.