Wealth Building & Financial Planning Page - Yorkshire Wealth Management

Overview

Wealth Building & Financial Planning

At Yorkshire Wealth Management, we believe wealth building is more than managing assets, it’s a partnership built on trust, shared vision, and proactive guidance. Our holistic approach aligns your financial life with your personal values, ambitions, and lifestyle goals. Whether you’re planning for retirement, buying a second home, funding education, growing a business, or navigating a major life event, we design customized strategies to help you achieve, and evolve, your goals.

Note: Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results.

Cash Flow & Goal-Based Planning

• Analyze your income, expenses, and discretionary spending to uncover opportunities for savings and investment.
• Establish specific, measurable financial goals—whether it’s a dream vacation, your children’s college tuition, or launching a business—and build strategies around what matters most to you.
Note: Results vary based on individual circumstances; no strategy guarantees future returns.

Debt Reduction & Insurance Assessment

• Create structured plans to pay down high-interest liabilities while preserving credit health and lifestyle.
• Review life, disability, long-term care, and property insurance to identify and fill coverage gaps, protecting your wealth against unexpected events.
Note: Effectiveness depends on your unique financial situation.

Net Worth Tracking & Tax Optimization

• Monitor assets and liabilities over time, providing transparent updates on your progress.
• Implement legal tax-saving strategies—maximizing retirement contributions, leveraging deductions and credits, and incorporating charitable giving in collaboration with your tax professional.
Note: Tax laws change; strategies may need periodic adjustment.

Dedicated Advisor Access & Annual Strategic Reviews

• Work one-on-one with a single advisor who knows your full story and remains your steadfast partner.
• Meet annually to reassess goals, evaluate performance, and adapt your plan to life changes, shifting markets, or new tax regulations.
Note: All financial decisions involve risks and may need updates over time.

Life Event Planning & Proactive Communication

• Receive guidance through major transitions, marriage, starting or selling a business, inheritance, divorce, or loss, so you can focus on what truly matters.
• Benefit from plain-English updates, timely outreach when markets or laws change, and proactive recommendations to keep you informed and confident.
Note: No guarantee that proactive advice will always produce positive outcomes.

Trust-Based Relationship

• We earn your trust through honesty, consistency, and a deep understanding of your priorities. Your success is our success, and our fiduciary duty compels us to act in your best interest, always.
Note: All investments carry inherent risks.

Our Process

1: Discovery & Data Gathering
We begin with a confidential session to learn your goals, values, and challenges, then collect detailed information on your income, debts, assets, insurance, and tax situation.

2: Custom Planning & Implementation
Our team crafts a personalized plan with clear, measurable steps. We guide you through setting up accounts, purchasing policies, adjusting budgets, or paying down debt, turning strategy into action.

3: Ongoing Reviews & Proactive Support
Life evolves and so should your plan. We conduct regular check-ins, annual strategy meetings, and ad hoc outreach when opportunities or risks arise, keeping your wealth journey on track.

Our Mission

We believe financial planning should empower you to make choices and create security for your family. Wealth isn’t just numbers, it’s freedom to live according to your values. Planning is a lifelong partnership, and we’re dedicated to simplifying the complex, providing clarity, and guiding you every step of the way.

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.