Schuler Wealth Planning

05/01/2026

Dean Schuler was recently quoted in an article from U.S. News & World Report discussing the “$1K per month in retirement” rule.

The article outlines the general idea that for every $1,000 of monthly income needed in retirement, a person may need around $240,000 saved, based on certain assumptions.

Dean’s point in the article was that while rules like this can be helpful for framing the conversation, they’re just a starting point, not a strategy. They don’t account for things like taxes, market variability, inflation, or differences in spending needs from one household to another.

Good to see his perspective included in the piece.

The $1,000 per month rule offers a simple way to estimate retirement savings based on a 5% portfolio withdrawal rate.

04/29/2026

Exciting Week at the Financial Planning Association’s (FPA) All Ohio Symposium!

Our team had the opportunity to attend two days of learning and networking alongside other professionals in the industry. Sessions covered a wide range of timely topics, including ethics, tax changes under the OBBBA, small business tax planning, AI technologies, estate planning, and navigating volatile markets.

It’s always valuable to hear directly from leaders shaping the future of our industry.

04/16/2026

Proud of our Paraplanner, Vik Visurakapalli, for leading a financial literacy workshop for graduate students at The Ohio State University, helping graduate students turn complex financial concepts into practical, real-world decisions.

04/07/2026

Dean Schuler was recently quoted in The Wall Street Journal discussing separately managed accounts (SMAs).

As highlighted in the article, SMAs can be a good option for investors that are looking for more customization, transparency, and tax efficiency in their portfolios.

Dean describes how SMAs differ from mutual funds and ETFs and how they are used for things like direct indexing and tax-loss harvesting.

We’re honored to contribute insight to national financial conversations and help people make smarter decisions with their money.

Read the article here:

SMAs allow you to build a more customized portfolio.

03/30/2026

I was recently quoted in a GoBankingRates article on the most important money skills to teach kids. As a parent of two young children, this topic is especially meaningful to me.

The article highlights key lessons like earning, saving, and building strong financial habits early. These skills can shape long-term success.

At Schuler Wealth Planning, we often see how these principles not only impact individuals, but also help families pass down financial confidence to the next generation.

Grateful to be part of the conversation:

https://finance.yahoo.com/markets/articles/wealth-managers-reveal-3-money-122306990.html

Wealth managers share three essential money lessons to teach your kids early, plus simple tools to help make financial learning engaging and practical.

03/23/2026

Derrick was recently quoted in a GoBankingRates article on wealth-building lessons.

The article highlights key financial principles advisors wish more people learned earlier, like building consistent habits, investing early, and focusing on long-term discipline.

At Schuler Wealth Planning, we see firsthand how powerful these fundamentals can be when applied consistently over time.

Grateful to be included in the conversation and to continue helping clients turn these lessons into real financial progress.

There's no wrong time to start building wealth, though the earlier you start, the better. Many financial advisors wish their clients came to them with a bit more financial knowledge and preparedness. If pressed, they might say they wish everyone learned a few key lessons about building wealth much e...

03/16/2026

We’re proud to share that Derrick Schuler, CFP® was recently quoted in a The Wall Street Journal article discussing high-yield savings accounts and how much you can earn from them.

In the article, Derrick explains why Annual Percentage Yield (APY) is the most important number to compare when evaluating savings accounts. APY standardizes different compounding methods—like daily vs. monthly compounding—so savers can make true apples-to-apples comparisons when choosing where to keep their cash.

High-yield savings accounts can be a great place for emergency funds, short-term savings, or cash reserves, especially when they offer rates significantly higher than traditional savings accounts.

We’re honored to contribute insight to national financial conversations and help people make smarter decisions with their money.

📖 Read the article here:

https://www.wsj.com/buyside/personal-finance/banking/how-much-money-can-you-make-high-yield-savings-rates

HYSAs offer higher returns than traditional savings accounts.

02/23/2026

Dean was recently quoted in a MarketWatch article about planning for healthcare costs in retirement.

In the article, Dean discusses savings options for retirement healthcare costs, when an HSA may not be available.

He also discusses the importance of accurate cash flow projections and realistic inflation assumptions, so you aren't surprised post-retirement.

"This is especially important for those who retire prior to age 65 (before they are eligible for Medicare)."

Healthcare may be one of the largest and most underestimated expenses in retirement. Thoughtful planning today can help protect flexibility, reduce stress, and create confidence in the years ahead.

From HSAs to Roth IRAs, industry experts tell us the most effective ways to prepare

02/17/2026

Dean was recently quoted in an article about retirees running out of money faster than expected.

It’s one of the most common fears we hear:

“What if I outlive my savings?”

It’s a fair question. People are living longer. Inflation hasn’t exactly disappeared. And markets don’t move in straight lines.

The reality is, running into trouble in retirement usually isn’t about one bad year. It’s about not having a coordinated income strategy.

Underestimating longevity.
Withdrawing without a plan.
Relying too heavily on market performance.
Not stress-testing for healthcare and rising costs.

Retirement shouldn’t feel fragile.

The goal isn’t just to retire. It’s to build an income plan that holds up for decades.

If that question has crossed your mind, it’s worth running the numbers.

Financial markets need to be monitored as well.

02/05/2026

You Might Have Given Your Financial Advisor a Raise Over the Last 3 Years. Do you know why?

If your advisor charges a percentage of assets, their pay likely increased significantly over the last 3 years.

- Not because they worked more.
- Not because they added new services.

But simply because markets rose and you kept saving.

In our latest blog, we show how a common 1% advisory fee can quietly turn into a significant pay increase, far outpacing inflation — and why those fees compound just like returns.

If your advisor’s compensation keeps rising automatically, it’s worth asking whether the value is rising too.

If your advisor’s compensation keeps rising automatically, it’s worth asking if the value is rising too. Why we prefer Fee Only vs % of AUM.