Schulz Financial Group

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Advisory services offered through Five Speed Financial Planning LLC, dba Schulz Financial Group, an SEC Registered Investment Adviser.

Insurance products and services are offered through Milestones Insurance, an affiliated company. Mary Schulz, Founder, Financial Advisor, AIF®, RICP® and SmartVestor Pro

Advisory services are offered through Five Speed Financial Planning LLC, d.b.a. Schulz Financial Group, an SEC Investment Advisor. Purchases are subject to suitability. This requires a review of an investor’s objective, risk tolerance, and time horizons. Investing always involves risk and possible loss of capital. Schulz Financial Group, 6849 North Oracle Road Suite 175, Tucson, AZ 85704, (520) 495-2800. The SmartVestor program is a directory of investment professionals. Neither Dave Ramsey or SmartVestor are affiliates of Schulz Financial Group. The Financial Advisor(s) associated with this profile may only discuss or transact business with residents of states in which they are properly registered. Please check FINRA’s BrokerCheck for a list of current registrations.

10/26/2026

Will vs. Beneficiary: Who Wins? ⚖️

Did you know that the beneficiary designations on your 401(k), IRA, and life insurance policies almost always override what is written in your Will?

If your Will says your assets go to Person A, but your old 401(k) still lists Person B, that money will legally go to Person B.

An outdated beneficiary form is one of the most common—and costly—estate planning mistakes we see. A complete estate "checkup" means looking beyond just your Will or Trust and making sure your primary and contingent beneficiaries are explicitly aligned across all accounts.
When was the last time you checked your designations? If you've experienced a major life transition recently, it might be time for a review.

This post is for educational purposes only and does not constitute legal, tax, or specific investment advice. Estate planning laws vary by state. Always consult with a qualified estate planning attorney regarding your unique situation. Schulz Financial Group is an SEC-Registered Investment Adviser.

10/23/2026

🎉 Happy Birthday to our favorite tropical Mouseketeer, Mary Schulz! 🍍🌴

Mary, we hope your birthday is filled with "Aloha" vibes. In honor of your special day, we hereby grant you permission to pretend your office is Aulani Resort; paddle hard, drop in, and have an absolute blast . 🏄‍♀️✨

Thank you for bringing that island sunshine and Disney magic to the office every day. May your coffee be strong, your meetings be short, and your Dole Whip be plentiful! 🍦🍹

10/21/2026

We had a fantastic time connecting with our neighbors, local business owners, and community leaders at the Oro Valley State of the Town address! 🌵✨

At Schulz Financial Group, we love being a part of this vibrant community. Thank you to everyone who stopped by our booth to chat about your financial goals, ask questions, or just say hello. Supporting this town’s growth and helping our neighbors plan for a secure future is at the heart of what we do.

Missed us at the event? We’re always here to help you navigate your financial journey. Drop us a message or visit our website to schedule a chat!

10/19/2026

📅 Medicare Open Enrollment is here! (October 15 – December 7)

Your health needs and plan options can change from year to year. Now is the time to review your current Medicare health and prescription drug coverage and see if a different plan fits you better or saves you money.

• When: October 15 – December 7
• What you can do: Join, switch, or drop a Medicare Advantage or Part D plan
• Where to compare: Use the official Medicare Plan Finder at Medicare.gov

Need help? Call 1-800-MEDICARE (1-800-633-4227) or reach out to your local State Health Insurance Assistance Program (SHIP).

10/15/2026

✨ On this day in 1923, the magic officially began! ✨
One hundred and three years ago today, Walt and Roy Disney founded the Disney Brothers Cartoon Studio. Long before the theme parks, the streaming service, or even a certain famous mouse, it all started with a contract for a short series called the Alice Comedies.

As Walt himself always liked to remind people: "I only hope that we never lose sight of one thing—that it was all started by a mouse." 🐭❤️

Mary and Annie had very different experiences on Guardians of the Galaxy! Not pictured, Nicholas because he's too 🐣 to ride!

What is your absolute favorite Disney memory? Drop it in the comments below! 👇🎬

DisneyCompany

10/12/2026

Check out Mary's latest article in OV Style magazine:

Tax Diversification in Retirement: Preparing Today for More Control Tomorrow

When most people think about retirement planning, they focus on one big question: “Have I saved enough?” That question matters, but it is only part of the story. The next question may be just as important: “How will my retirement income be taxed?” A retiree with a large account balance may still feel disappointed if too much of each withdrawal is reduced by taxes. That is why tax diversification deserves a place in every serious retirement income conversation.

Tax diversification means building retirement assets in different tax categories, so you have choices later. Instead of relying only on pre-tax retirement accounts, a well-designed plan may include pre-tax money, Roth money that can potentially be withdrawn tax-free, and taxable nonretirement accounts where long-term gains may receive a potentially more favorable capital gains treatment. The goal is not to avoid taxes entirely. The goal is to create flexibility, manage taxable income year by year, and help preserve more spendable income in retirement.

Today’s Tax Rates in Historical Perspective

Current tax rates can feel permanent because they are familiar, but history shows otherwise. The U.S. tax system has changed many times since the modern income tax began in 1913, with the highest recorded tax rate at 94% during World War II. Historical tax-rate charts can be helpful because they make one point visible: tax rates are not fixed. They are the result of legislation, economic conditions, and political priorities. Ask yourself, if future tax rates are higher than today’s, would you rather have all your retirement income exposed to ordinary income tax rates, or would you prefer to have choices?

Why Tax Diversification Matters...

Click here to continue reading https://www.schulzfinancialgroup.com/blog/tax-diversification-in-retirement-preparing-today-for-more-control-tomorro

10/09/2026

🌵 Oh my gourd! Fall has officially arrived in the Old Pueblo! 🍁

October in Tucson means cooler desert
breezes, incredible local food, and some of
our favorite annual traditions. If you're
looking to fill your calendar this month, here
are 5 fun things you can't miss:

1️⃣ Tucson Meet Yourself (Oct 16–18):
Downtown transforms into a massive
celebration of food, music, and folk arts.
(Come hungry—the food stalls are
legendary!)

2️⃣ Mount Lemmon Scenic Drive: Escape to
Summerhaven to catch the changing fall
foliage and grab a giant cookie from the
Cookie Cabin.

3️⃣ Nightfall at Old Tucson: For the thrill-
seekers, Tucson's iconic haunted town
returns with spooky mazes, live stunt shows,
and scare zones.

4️⃣ Marana Pumpkin Patch & Farm Festival:
Perfect for families—50 acres of corn
mazes, pumpkin picking, hayrides, and
farm animals.

5️⃣ Boo at the Zoo-
Head to Reid Park Zoo for family-friendly evening October 22-25!

Photo credit: Mary Schulz October 18, 2017

10/07/2026

Empowered women empower communities!
🌟

Mary and Annie had a fantastic time
representing our team at the Oro Valley
Chamber of Commerce Women in
Leadership event. It was an inspiring
gathering filled with insightful discussions,
valuable networking, and a shared passion
for driving local business forward.
Huge thanks to the Oro Valley Chamber for
hosting such an incredible event that
celebrates and connects women leaders
across our region! 💼 ✨

10/05/2026

October is National Financial Planning Month—the perfect reminder to give your financial strategy a fresh look.

Take a moment to review your goals, budget, emergency fund, investment mix, insurance coverage, and estate documents 📝 to see if they still align with your timeline.

Because financial planning isn’t one-size-fits-all, your strategy should evolve as your priorities change 💡. Have questions? Consider scheduling second look with our team.🧑‍💼 🙎‍♀️
https://go.oncehub.com/NewToSFG

10/02/2026

Why did the banker break up with their partner? They lost interest. 📉💸

We hope that got a little chuckle out of you, because today is World Smile Day! 😊✨ We're big believers that a simple smile can turn your whole day around.

Turn that frown upside down and pass along a few of these to brighten someone else's feed: 👇

🏥 "I told my doctor I broke my arm in two places. He told me to stop going to those places."

🥖 "I tried to open a bakery, but I couldn’t raise enough dough."

⏰ "I was going to tell a time travel joke, but you guys didn’t like it."

Got a favorite dad joke of your own? Drop it in the comments below! 👇💬

Address

6849 N Oracle Road, Suite 175
Tucson, AZ
85704

Website

https://www.schulzfinancialgroup.com/

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