Trusted Advisors for

Smarter Financial Planning

Call: (858) 798-5616 Schedule a Free Consultation

About

About Yorkshire

We are independent, fiduciary advisors. As an independent firm, we hold each of our client’s interests above our own – which allows us to operate on the same side of the table as our clients. As fiduciaries, we leverage our own industry expertise and experience to guide clients to their financial goals.

Public Safety Officers

Phil Bell is a retired Fire Captain and understands the day-to-day stresses that firefighters all wrestle with. Expert advice for: CalPERS, DROP programs, 457 plans, SDCERA and SDCERS retirement plans.

Wealth Building

Sometimes life seems like a puzzle. Wealth building shouldn’t be a part of that puzzle. Let us develop a financial plan for you that will be your roadmap around the hazards that could derail your financial future.

Investment Management

With our investment management tools, you can be as hand-on or hands-off as you wish. Our team uses the latest software and analytics to service each portfolio.

Stats

Yorkshire By The Numbers

Families Served

$Advisory Practice Assets

$Millions of Assets Managed

$Millions of Municipal Assets Managed

Years Combined Experience

1. Comprehensive Financial Planning & Investment Management

Sustainable wealth creation is the result of time, temperament, and talent that's methodically weaved into the Portfolio Management process. We deliver consistent, low-volatility returns by investing in companies that share valuation and profitability markers that produce resilient asset portfolios.

2. Public Safety Member Services

Those who serve and protect our communities deserve access to the same level of protection when it comes to their finances. 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.

What We Offer

3. Retirement Strategies

We help individuals and public safety professionals navigate complex retirement systems and make informed decisions about pensions, 401(k)s, DROP programs, and more—so you can retire with confidence.

4. Tax-Aware Planning

Smart planning can help minimize tax impact over time. We coordinate with your CPA or tax professional to build strategies that align your financial goals with tax efficiency.

5. Estate & Legacy Planning

Working in partnership with estate attorneys, we help clients protect and transfer wealth according to their wishes—offering support with trust planning, charitable giving, and more.

6. Cryptocurrency Strategy Support

For clients curious about digital assets, we provide educational guidance and help assess whether crypto exposure fits into a well-diversified, risk-managed portfolio.

1. Discovery & Alignment

We begin every relationship by understanding your full financial picture—your goals, time horizon, risk tolerance, personal values, and any legal or court-related constraints. This foundational step ensures everything we build is rooted in your unique situation.

Note: Clients are encouraged to share relevant legal documents or tax considerations to ensure accuracy in plan development.

2. Strategy Design

Whether we’re managing a court-appointed investment, building a retirement plan, or guiding a family through generational wealth transfer, we develop a customized strategy tailored to your objectives. Plans are crafted using evidence-based practices and always meet fiduciary standards.

Note: All investment strategies carry risk and should be reviewed periodically to reflect changing circumstances.

Our Approach

3. Transparent Implementation

We implement your strategy using best-in-class custodians, low-cost investment vehicles, and tax-aware planning techniques. We provide full transparency on how assets are allocated, what you’re paying for, and why each step is being taken.

Note: Implementation decisions are made with client input and documented for full clarity.

4. Monitoring & Adjustments

Markets and life change—so your plan should too. We monitor performance, economic shifts, and your evolving needs. Portfolios are rebalanced when necessary, and strategies are adjusted to remain aligned with your goals.

Note: Adjustments are made based on client objectives and market conditions, but do not guarantee performance or protect against loss.

5. Ongoing Communication & Compliance Support

You’ll receive timely updates, performance reviews, and opportunities to meet with your advisor. For court-directed accounts, we prepare all required filings and support ongoing legal compliance. For personal plans, we provide consistent education, updates, and realignment sessions as your life unfolds.

Note: Regulatory filings and reports are completed in accordance with local jurisdiction guidelines and investment advisory standards.

Our Mission

At Yorkshire Wealth Management, our mission is to deliver fiduciary-grade financial guidance that is personalized, transparent, and grounded in integrity. We are committed to helping individuals, families, and institutions navigate the complexities of wealth with confidence—whether that involves personal planning, court-involved assets, or long-term investment strategies.

We believe that every client deserves unbiased advice, proactive management, and a financial plan that reflects not only their goals but also their values. As fee-based fiduciaries, we act solely in your best interest—without hidden agendas, commissions, or product sales pressure.

Note: Advisory services are provided in accordance with applicable federal and state fiduciary regulations. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results.

Phil Bell was a former Fire Captain for Vista, CA. He’s been advising families for decades as a Investment Advisor Representative (IAR), and is a Founder of Yorkshire Wealth Management.

Phil Bell

Founder

Ingrid Wurth has over 10 years experience in administrative support in the financial services sector. She has degrees in biology and business administration and enjoys spending time with family and exploring the world.

Ingrid Wurth

Administrative Assistant

Douglas Shultz currently serves as the City Treasurer for Escondido, CA in San Diego County. He is a Charted Market Technician(CMT), AIF, a member of the CMT association and is a Founder of Yorkshire Wealth Management.

Douglas Shultz, AIF®, CMT®

Founder

As Co-Founder and CEO of Vineyard Global Advisors, Clark Richard leverages his 28 years of wealth management experience—and a proven track record of growing successful businesses

Clark Richard

Partner, VGA

Sean Bell is a 2nd generation advisor with a degree in Business administration and is currently working on his Series 65 exam. Sean is the Vice President of Client relations and business development within Yorkshire Wealth management.

Sean Bell

Advisor

Drawing upon his 20 years of leadership experience in the financial services sector, Michael Young provides crucial operational leadership of the Corporate RIA — Integrated Advisors Network LLC.

Michael Young

Partner, IAN

Fiduciary Advisors

What Is a Fiduciary?

fiduciary

[ fi-doo-shee-er-ee, –dyoo– ]

A fiduciary is a person or organization that acts on behalf of another person or persons to manage assets. Essentially, a fiduciary owes to that other entity the duties of good faith and trust. The highest legal duty of one party to another, being a fiduciary requires being bound ethically to act in the other’s best interests.

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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.