R
Ronald Ray Schulze
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$5,632,819
Total clients
7
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
7
Average account size
$804,688
About
The firm provides personalized, fee-only investment management primarily to individual clients, offering discretionary portfolio management alongside financial planning guidance on matters such as retirement, taxes, college funding and cash flow. Communication includes periodic reviews and a monthly newsletter, and clients are accepted at the firm’s discretion.
The investment approach centers on tactical asset allocation with a core-and-satellite framework and employs charting, fundamental, technical and cyclical analysis. The firm also offers an explicit timing service—executing mutual fund trades on a discretionary basis under a limited power of attorney—and has at times used ETFs or stocks to cross-hedge family exposures.
Distinctive features include a long registration history (since 1990) and CFP certification, a strictly fee-only model with no commissions or product affiliations, and a small, exclusively discretionary client base (approximately $7 million managed for about 13 clients as of 12/31/25). The firm does not vote client proxies, typically recommends discount custodians for execution, and does not impose a firm account minimum (custodial minimums may apply).
Client services
Portfolio management
Market timing
Expertise
General retirement planning
College savings (529s, UTMA, etc.)
Fee options
Fixed fees may be considered, but no specific amounts stated
Maximum 0.5% quarterly (equivalent to 2.0% annually), negotiable
Fee-only: Fee-only investment management; no commissions accepted
Main office location
Ronald Ray Schulze
Yorktown TX, United States
Number of offices
1
Most active in
Ronald Ray Schulze has reported serving >5 clients in these states in the last 12 months.
Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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