Meet the Team
The Pacific Investment Research team brings decades of experience to helping people create secure financial futures.
Richard Schultz, CFP®
President and Chief Investment Officer
Richard has been providing investment advice and financial planning services to individuals and families for over 25 years. As Chief Investment Officer, he oversees research and investment processes of Pacific Investment Research.
Prior to becoming an investment professional, Richard worked as a software engineer in the fields of aerospace and bio-medical instruments. While an engineer, he developed a deep interest and passion for investing. After obtaining his securities license in 1991, he started in his new profession by preparing financial plans and recommending mutual funds to individual investors. In 1995, Richard earned his CERTIFIED FINANCIAL PLANNER™ certification and launched Schultz Financial Management, an independent fee-based investment advisory firm (the predecessor of Pacific Investment Research).
Early in his career, Richard followed a common investing approach, creating diversified portfolios of mutual funds across a broad array of asset classes. Disappointed with portfolio declines during the 2000-2002 bear market, Richard decided to take a more active, hands-on approach to investment management going forward. He drew on his engineering background to develop quantitative methods that would systematically reduce risk during market declines. This proved to be a smart decision during the great recession of 2008-2009, where he was able to significantly limit client losses. Client investment portfolios recovered to pre-recession levels a full year ahead of the general market.
To this day, Richard continues to develop and refine the firm’s money management capabilities and risk management techniques in order to enhance their clients’ investing experience.
Richard’s credentials include a Certified Financial Planner® designation as well as a
FINRA Series 7 securities license. He is a member of the National Association of
Personal Financial Advisors (NAPFA) and an approved MD Preferred Services™
provider to physicians.
Richard is most satisfied when he delivers exceptional service and results for his clients. Richard lives with his wife and two daughters in North Tustin, CA. In his free time he enjoys hiking and golfing.
Cecilia Schultz
Customer Service Manager/Administrator
Cecilia has been the customer service manager for Pacific Investment Research since 2007. Her passion is making sure our clients get what they need, when they need it.
Cecilia has a MS degree in Biochemistry from Cal State Fullerton. Prior to her current position with Pacific Investment Research, she worked for 15 years at Beckman Coulter in Brea, California, providing technical support to customers and field engineers.
Brian K. Winter, CPA
Brian provides tax planning advice and prepares tax returns for several clients of Pacific
Investment Research. He has expertise in tax planning for small businesses including
healthcare professionals, small manufacturers, and real estate professionals. Brian is a
Certified Public Account with a BS degree in Accounting from Chapman University and
a founding partner of Winter & Lozano, CPAs. Neither Brian or Winter & Lozano CPAs
is affiliated with Pacific Investment Research.
