Independent fiduciary wealth management
Personal advice built around your financial life.
Schulmerich & Associates Asset Management, LLC provides investment management, comprehensive financial planning and ongoing guidance designed around each client's goals, risks and priorities.
Our approach
Your interests come first.
We serve clients through a fiduciary relationship focused on clear advice, disciplined investment management and long-term planning—not product sales.
$250,000
Our minimum account size for a new advisory relationship is $250,000.
1.00%
Our annual advisory fee begins at 1.00% and is reduced as the amount of assets we manage for your household increases.
What to expect
A relationship designed to stay useful as life changes.
One coordinated view
We try to consider your investments alongside retirement income, taxes, estate priorities, insurance and major financial decisions.
Direct access
You work with an experienced advisor supported by a team that knows your relationship and aims to help keep important details moving.
Ongoing stewardship
Your portfolio and plan are monitored over time and revisited as markets, laws, goals and family circumstances change.
Coordinated wealth management
Investment decisions work best when they are connected to the rest of your financial life.
Investment Management
Personalized portfolio construction, security selection, diversification, risk management, rebalancing and ongoing monitoring.
Retirement Planning
Retirement readiness, income planning, RMDs, Social Security considerations, Roth conversion analysis and withdrawal strategy.
Tax-Aware Planning
Coordinate investment and planning decisions with your tax professional, including gains, losses, charitable strategies and multi-year tax considerations.
Estate & Legacy Coordination
Help organize beneficiary, trust and legacy decisions and coordinate financial actions with your estate-planning attorney.
Cash Flow & Major Decisions
Model significant financial choices such as retirement, property transactions, gifts, education funding and large purchases.
Ongoing Advice
Regular reviews, written action items and access to guidance as markets, tax rules and your personal circumstances change.
Included for every client
A complete financial plan—built to evolve with you.
Every advisory client receives a comprehensive financial plan using MoneyGuidePro, our interactive goals-based planning software. The plan helps connect your investments with the decisions that shape your financial life.
- ✓Retirement-income and spending projections
- ✓Social Security and distribution planning
- ✓Tax-aware scenario analysis
- ✓Insurance and risk considerations
- ✓Estate and legacy priorities
- ✓Interactive "what-if" comparisons
Your plan is not a one-time document. We review and update it as your goals, family circumstances, financial resources and applicable laws change.
Learn more about MoneyGuidePro ↗Official MoneyGuidePro software overview
Fees & relationship
Simple, transparent advisory pricing
Starts at 1.00%
Our annual advisory fee begins at 1.00% of assets under management and is reduced based on account size. The current minimum account size is $250,000.
Specific fees, services and any applicable exceptions are described in the firm's advisory agreement and disclosure documents.
Real estate planning
1031 Exchange & DST Guidance
For clients considering a Section 1031 exchange, we can help evaluate whether a Delaware Statutory Trust may fit within the client's broader investment and financial plan.
Exchange Planning
Review objectives, timing, liquidity needs and how a potential replacement-property strategy fits the overall plan.
DST Evaluation
Discuss sponsor, property, structure, projected income, fees, concentration, financing and other material investment considerations.
Professional Coordination
Coordinate with the client's qualified intermediary, CPA and attorney as appropriate while keeping tax and legal advice with those professionals.
Delaware Statutory Trust investments involve risk, are generally illiquid and may not be appropriate for every investor. There is no assurance that an investment will achieve its objectives or that a 1031 exchange will qualify for intended tax treatment. Clients should consult their tax and legal professionals regarding their individual circumstances.
Our team
Personal service, supported by an experienced team. The people behind the relationship help keep client service, portfolio information and day-to-day operations moving with care.
Your advisor
Stephen C. Schulmerich, CFP®, AIF®
President & Portfolio Manager
Stephen leads Schulmerich & Associates with a belief that investment management works best when it is grounded in a complete understanding of the client's financial life.
His work brings together portfolio management, retirement-income planning, tax-aware decisions, estate considerations and family priorities. Clients receive direct access to an experienced advisor who knows their circumstances and remains accountable for the relationship.
Heather Tolman
Administrative & Client Service Support
Craig Schulmerich
Finance, Technology & Data Support
Client logins
Convenient access to the third-party platforms used by clients. These links open external websites.
Inland Investments / DST
Access Inland Investments investor resources for applicable DST holdings.
Inland Investor AccessCharles Schwab, Advyzon/MyAdvisorLink and Inland Investments are independent third-party platforms. Their inclusion here is for client convenience and does not imply ownership or control by Schulmerich & Associates Asset Management, LLC.
Frequently asked questions
Common questions about working with an independent registered investment advisor.
What is a registered investment advisor (RIA)?+
A registered investment advisor (RIA) is a firm or individual registered with the SEC or a state securities regulator to provide investment advice for compensation. RIAs are held to a fiduciary standard, meaning they are legally required to act in the best interest of their clients at all times. Schulmerich & Associates Asset Management, LLC is an independent RIA.
What does "fee-only" mean?+
A fee-only advisor is compensated solely by the fees clients pay directly — typically a percentage of assets under management — and does not earn commissions, referral fees, or compensation from product sales. This structure eliminates many common conflicts of interest and aligns the advisor's compensation with the client's account performance.
What is a fiduciary financial advisor?+
A fiduciary is legally and ethically obligated to act in the client's best interest, not merely recommend "suitable" products. As a fiduciary RIA, Schulmerich & Associates places client interests first in every investment and planning recommendation. This is distinct from broker-dealers, who are held to a lower suitability standard.
What is the minimum account size to work with Schulmerich & Associates?+
The current minimum account size for a new advisory relationship is $250,000. This allows us to provide the level of personalized attention and comprehensive planning that each client relationship requires.
How does Schulmerich & Associates charge for its services?+
Our annual advisory fee begins at 1.00% of assets under management and is reduced as the total amount of assets we manage for your household increases. There are no commissions, hidden fees, or product-based compensation. Specific fees are described in the firm's advisory agreement and Form ADV disclosure documents.
What is a 1031 exchange, and can you help with one?+
A Section 1031 exchange allows an investor to defer capital gains taxes when selling investment real estate by reinvesting the proceeds into a "like-kind" replacement property within specific IRS timelines. Schulmerich & Associates can help evaluate whether a Delaware Statutory Trust (DST) may fit within a client's broader investment and financial plan as a potential replacement property. We coordinate with the client's qualified intermediary, CPA, and attorney throughout the process.
What is a Delaware Statutory Trust (DST)?+
A Delaware Statutory Trust (DST) is a legal entity that allows multiple investors to hold fractional ownership interests in institutional-grade real estate. DSTs are commonly used as replacement properties in 1031 exchanges. They are generally illiquid, involve risk, and may not be appropriate for every investor. Schulmerich & Associates helps clients evaluate DST options in the context of their overall financial plan.
What credentials do your advisors hold?+
Stephen C. Schulmerich, President and Portfolio Manager, holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) and Accredited Investment Fiduciary® (AIF®) designations. The CFP® designation requires rigorous education, examination, experience, and ongoing ethics requirements. The AIF® designation signifies expertise in fiduciary standards and their application to investment management.
How long has Schulmerich & Associates been in business?+
Schulmerich & Associates Asset Management was founded in 1971, giving the firm more than 55 years of experience in investment management and financial planning. The firm has served clients through multiple market cycles, economic environments, and major changes in tax law.
Where is Schulmerich & Associates located?+
Our office is located at 3030 Grand Bay Blvd, Building 3, Unit 332, Longboat Key, FL 34228. We can be reached by phone at 503-672-7750 or by email at [email protected].
Let's talk about your financial plan.
Contact Schulmerich & Associates Asset Management, LLC to discuss investment management, financial planning or a 1031/DST planning question.
Office
Schulmerich & Associates Asset Management, LLC
3030 Grand Bay Blvd, Bldg 3, Unit 332
Longboat Key, FL 34228
Phone: 503-672-7750
Email: [email protected]
Client service
Personal guidance, ongoing
We believe the value of advice is not just creating a plan—it is helping clients make informed decisions as their circumstances change.