Frequently Asked Questions

What makes Yorkshire Wealth Management different from other firms?

Yorkshire is an independent fiduciary advisory firm. This means we are legally obligated to act in your best interest. We bring a strong focus on public safety professionals and also offer guidance on emerging investment topics—such as cryptocurrency—tailored to your unique financial needs

Do you work with clients outside of public safety professions?

Yes. While we specialize in serving those in public safety, we also work with individuals, families, and business owners from a wide range of backgrounds. Our planning process is flexible and designed to support a variety of goals.

What is a fiduciary and why does it matter?

A fiduciary is a financial professional who is bound—by law and ethics—to prioritize your interests above their own. This ensures you receive objective advice and transparency throughout your financial journey.

Are you affiliated with a larger institution or broker-dealer?

No. We are fully independent. This independence gives us the freedom to recommend financial solutions based solely on your goals—not on quotas, commissions, or outside pressure.

Do you include cryptocurrency in your investment strategies?

For clients who are interested, we provide education and risk-aware strategies around digital assets. Crypto investments are approached as part of a diversified financial plan.

Note: Digital assets are speculative in nature and may not be suitable for all investors. We’ll help you determine if they fit your overall risk profile.

How does Yorkshire help protect my investments during market downturns?

We prioritize risk management in every portfolio. While no investment is immune to market fluctuations, we focus on building strategies that seek long-term growth while reducing unnecessary volatility.

What retirement systems do you have experience with?

We frequently work with CalPERS, DROP programs, 457 plans, SDCERA, SDCERS, and other public retirement systems. We help clients navigate these programs and integrate them into a comprehensive retirement plan.

Do you offer estate and legacy planning?

Yes. We provide coordinated estate planning services that may include strategies for wills, trusts, and wealth transfer. Our goal is to help ensure your assets are managed and passed on according to your wishes.

Is there a minimum investment to become a client?

We work with clients at various life stages and financial levels. While some of our services may have minimums, we’re happy to discuss your specific situation during a free consultation to determine the best path forward.

How do I get started?

It starts with a free consultation. We’ll learn more about your goals, answer your questions, and explain how we may be able to help. You can also request our free financial guide to learn more before scheduling.

Still Have Questions?

We’re here to provide clarity and support—no pressure, no jargon.
📞 Call Us: (858) 798-5616
📧 Email: douglas.shultz@ywmgmt.com
🖱️ Schedule a Free Consultation

Our Office

16935 W Bernardo Dr

Suite 170

San Diego, CA 92127

Contact Us

(858) 798-5616
douglas.shultz @ ywmgmt.com

Office Hours

Mon-Fri: 9am - 4pm
Sat-Sun: Closed

Check the background of your financial professional on FINRA's BrokerCheck

Investment Advisory Services offered through Integrated Advisors Network LLC (IAN), a Registered Investment Advisor. Yorkshire Wealth Management and IAN are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that (the Advisors firm) and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Integrated Advisors Network.

Designation Disclosure

Chartered Market Technician (CMT®)

The CMT® Program requires candidates to demonstrate proficiency in a broad range of topics in the field of Technical Analysis. The Program consists of three levels. CMT® Level 1 and CMT® Level 2 are multiple choice exams while CMT® Level 3 is in short answer form. The CMT® designation is granted by the Market Technicians Association (“MTA”).

The objectives of the CMT® Program are:

• To professionalize the field of Technical Analysis.

• To promote high ethical and professional standards.

• To guide candidates in mastering a professional body of knowledge.

In order to be granted the CMT® designation, all candidates must meet the following requirements:

• Successful completion of all 3 levels of the CMT® Exam.

• Obtained 'Member Status' in the MTA.

• Have been gainfully employed in a professional analytical or investment management capacity for a minimum period of 3 years and must be regularly engaged in this capacity at the time of successfully passing all 3 levels of the CMT® Exam.

The CMT® examinations test the critical knowledge and tasks needed to perform the duties as a technical analyst. The three-part examination consists of:

CMT® Level 1 (Definition). The Level 1 examination measures basic, entry-level competence and understanding of the candidate. The CMT® Level 1 candidate needs to have a working knowledge of the basic tools of the technical analyst.

CMT® Level 2 (Definition/Application). The CMT® Level 2 examination requires the candidate to demonstrate a greater depth of analysis and competency. The CMT® Level 2 candidate is expected to demonstrate proficiency in applying more advanced analytical techniques. Overall, the candidate is responsible for the theory and application of concepts and techniques.

CMT® Level 3 (Integration). The CMT® Level 3 examination tests the candidate on the development of logical and consistent research opinions, portfolio strategies and trading decisions based on a wide range of charts and technical data. The CMT® 3 candidate must pass the ethics portion of this exam or risk failure.