Public Safety Member Services

Overview

Those who serve and protect our communities deserve access to the same level of protection when it comes to their finances. At Yorkshire Wealth Management, we are proud to offer tailored financial planning and wealth management services designed specifically for public safety professionals—including law enforcement officers, firefighters, EMTs, corrections officers, and other first responders. We understand the unique financial challenges and opportunities faced by those in public service and are committed to helping you and your family plan for a stable, secure future.

Whether you’re navigating complex pension systems, managing overtime income, or preparing for an early retirement, our advisors are here to simplify the process and support your long-term success.

Note: All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results.

Pension System Navigation

Public safety members often belong to unique retirement systems that differ from traditional 401(k)s or IRAs. We provide guidance through every phase—understanding your pension benefits, calculating expected payouts, and modeling early retirement options so you know exactly what to expect and how to plan.

Note: Pension benefits are subject to plan rules and may change based on legislative or regulatory changes.

Retirement Income Optimization

We’ll help you combine your pension, deferred compensation (like 457(b) plans), and Social Security benefits (if eligible) to create a cohesive, tax-efficient retirement income strategy. We also account for DROP programs, buy-back options, and survivor benefits to ensure you’re covered from all angles.

Note: There are no guarantees of income, and all strategies are subject to market risks and changes in tax laws.

Benefit Coordination and Maximization

From health savings accounts (HSAs) to disability insurance, we ensure you are making the most of your employer-provided benefits and supplementing where necessary. Our approach safeguards your health, income, and legacy.

Note: Benefits and tax laws are subject to change and should be reviewed regularly with a tax or benefits professional.

Hazardous Duty Considerations

If your position qualifies for hazardous duty benefits or early retirement incentives, we incorporate those advantages into your long-term plan—helping you retire comfortably, even if you step away from the job earlier than most professionals.

Note: Eligibility for hazardous duty benefits and early retirement programs depends on your specific position and plan terms.

Family and Survivor Protection

We provide personalized life insurance planning, estate guidance, and education savings plans to protect and provide for your loved ones—so your legacy continues even after your shift ends.

Note: Life insurance, estate planning, and education savings plans are subject to underwriting and individual circumstances.

Overtime Optimization & Financial Wellness for First Responders

Public safety professionals often earn extra income through overtime, special assignments, or secondary roles. We help you turn that income into long-term financial security through disciplined investing, tax planning, and personalized coaching.
Our financial wellness program includes one-on-one sessions, literacy training, and tools to reduce money stress—so you can focus on your mission with confidence.

Note: Additional income is subject to applicable tax laws. Financial wellness services are educational and not investment advice. For personalized recommendations, consult a licensed advisor.

Our Process

We begin with a detailed financial consultation that respects your time and your shift schedule. From there, we:

1: Assess Your Pension and Benefits Package: Break down the details of your retirement system and other employer benefits.

2: Evaluate Your Short- and Long-Term Goals: Whether it’s buying a home, sending a child to college, or retiring by 55, we plan around your real priorities.

3: Create a Custom Financial Roadmap: Built around your income streams, retirement age, risk tolerance, and family needs.

4: Monitor and Adjust: We offer ongoing reviews to reflect changes in your career, benefits, or personal life. You’re not just a client—you’re a partner in planning.

Note: All financial strategies involve risk and should be tailored to your individual situation. There are no guarantees of financial success.

Our Mission

Public safety professionals dedicate their careers to protecting others. At Yorkshire Wealth Management, we believe that same level of protection should extend to your financial future. You face risks every day—your finances shouldn’t be one of them.
We don’t offer cookie-cutter solutions. Instead, we tailor every strategy to the real-life demands of public safety work: unpredictable hours, early retirements, physical risks, and family priorities. Our goal is to offer peace of mind through steady, secure planning.

Note: There are no guarantees of financial success or performance. All strategies and investments involve risks, including the potential loss of principal.

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

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.