--- title: Insights & Updates from Pacific Investment Research | Richard Schultz description: Richard Schultz, CFP® has been providing investment advisory services to individuals and families for over 20 years. --- [Blog](http://138.68.1.151/insights/the-pir-blog/) [Client Login](https://myaccountviewonline.com/accountview) - [About](https://pacificinvestmentresearch.com/about-pacific-investment-research/) - [Meet the Team](https://pacificinvestmentresearch.com/about-pacific-investment-research/meet-the-team/) - [Our Fees](https://pacificinvestmentresearch.com/about-pacific-investment-research/our-fees/) - [Contact Us](https://pacificinvestmentresearch.com/contact-us/) - [Why Pacific?](https://pacificinvestmentresearch.com/why-pacific/) - [Are We Right for You?](https://pacificinvestmentresearch.com/why-pacific/are-we-right-for-you/) - [Key Facts & Credentials](https://pacificinvestmentresearch.com/why-pacific/key-facts-credentials/) - [Active Management](https://pacificinvestmentresearch.com/why-pacific/active-management/) - [Money Management Expertise](https://pacificinvestmentresearch.com/why-pacific/no-middle-man/) - [Who We Serve](https://pacificinvestmentresearch.com/who-we-serve/) - [Case Study 1 - Pre Retirement](https://pacificinvestmentresearch.com/who-we-serve/case-study-1/) - [Case Study 2 - Early Retirement](https://pacificinvestmentresearch.com/who-we-serve/case-study-2/) - [Case Study 3 - Mid-Late Retirement](https://pacificinvestmentresearch.com/who-we-serve/case-study-3/) - [What We Do](https://pacificinvestmentresearch.com/what-we-do-2/) - [Investment Management](https://pacificinvestmentresearch.com/what-we-do-2/plan-your-financial-future/) - [Comprehensive Planning](https://pacificinvestmentresearch.com/what-we-do-2/financial-planning/) - [How We Work Together](https://pacificinvestmentresearch.com/what-we-do-2/how-it-works/) - [Insights](https://info.pacificinvestmentresearch.com/blog) - [The PIR Blog](https://info.pacificinvestmentresearch.com/blog) - [Free Offers](https://pacificinvestmentresearch.com/free-offers/) - [Complimentary Meeting](https://pacificinvestmentresearch.com/free-offers/free-financial-check-up/) - [Speak with a Financial Professional](https://pacificinvestmentresearch.com/speak-with-a-financial-professional/) - [Second Opinion - Investment Review](https://pacificinvestmentresearch.com/free-offers/second-opinion-reviews/) - [How to Select an Advisor - Free Guide](https://pacificinvestmentresearch.com/free-offers/ebook-offer/) - [Client Login](https://pacificinvestmentresearch.com/client-login/) ### Posts by Topic - [Market Commentary (123)](https://info.pacificinvestmentresearch.com/blog/topic/market-commentary) - [Market Snapshot (35)](https://info.pacificinvestmentresearch.com/blog/topic/market-snapshot) - [Retirement Planning (22)](https://info.pacificinvestmentresearch.com/blog/topic/retirement-planning) - [Insider (3)](https://info.pacificinvestmentresearch.com/blog/topic/insider) - [Buying Your Retirement Home (1)](https://info.pacificinvestmentresearch.com/blog/topic/buying-your-retirement-home) - [Social Security Topics (1)](https://info.pacificinvestmentresearch.com/blog/topic/social-security-topics) see all [![PIR](https://info.pacificinvestmentresearch.com/hubfs/Pir_May_2017_-theme/Images/logo.png)](https://pacificinvestmentresearch.com/) - [About](https://pacificinvestmentresearch.com/about-pacific-investment-research/) - [Meet the Team](https://pacificinvestmentresearch.com/about-pacific-investment-research/meet-the-team/) - [Our Fees](https://pacificinvestmentresearch.com/about-pacific-investment-research/our-fees/) - [Contact Us](https://pacificinvestmentresearch.com/contact-us/) - [Why Pacific?](https://pacificinvestmentresearch.com/why-pacific/) - [Are We Right for You?](https://pacificinvestmentresearch.com/why-pacific/are-we-right-for-you/) - [Key Facts & Credentials](https://pacificinvestmentresearch.com/why-pacific/key-facts-credentials/) - [Active Management](https://pacificinvestmentresearch.com/why-pacific/active-management/) - [Money Management Expertise](https://pacificinvestmentresearch.com/why-pacific/no-middle-man/) - [Who We Serve](https://pacificinvestmentresearch.com/who-we-serve/) - [Case Study 1 - Pre Retirement](https://pacificinvestmentresearch.com/who-we-serve/case-study-1/) - [Case Study 2 - Early Retirement](https://pacificinvestmentresearch.com/who-we-serve/case-study-2/) - [Case Study 3 - Mid-Late Retirement](https://pacificinvestmentresearch.com/who-we-serve/case-study-3/) - [What We Do](https://pacificinvestmentresearch.com/what-we-do-2/) - [Investment Management](https://pacificinvestmentresearch.com/what-we-do-2/plan-your-financial-future/) - [Comprehensive Planning](https://pacificinvestmentresearch.com/what-we-do-2/financial-planning/) - [How We Work Together](https://pacificinvestmentresearch.com/what-we-do-2/how-it-works/) - [Insights](https://info.pacificinvestmentresearch.com/blog) - [The PIR Blog](https://info.pacificinvestmentresearch.com/blog) - [Free Offers](https://pacificinvestmentresearch.com/free-offers/) - [Complimentary Meeting](https://pacificinvestmentresearch.com/free-offers/free-financial-check-up/) - [Speak with a Financial Professional](https://pacificinvestmentresearch.com/speak-with-a-financial-professional/) - [Second Opinion - Investment Review](https://pacificinvestmentresearch.com/free-offers/second-opinion-reviews/) - [How to Select an Advisor - Free Guide](https://pacificinvestmentresearch.com/free-offers/ebook-offer/) - [Client Login](https://pacificinvestmentresearch.com/client-login/) Menu # Author: Richard Schultz ## [Understanding our Short-Term Market Indicator](https://info.pacificinvestmentresearch.com/blog/3306377/edit-beta/5660051495/settings-0) By: [Richard Schultz](https://info.pacificinvestmentresearch.com/blog/author/richard-schultz) Apr 11, 2019 **Short Term Indicator** **The Short-term Indicator gauge is updated every Monday morning and reflects our reading of the stock market at that point in time. ..** [Read More](https://info.pacificinvestmentresearch.com/blog/3306377/edit-beta/5660051495/settings-0) ## [Why being unique is the best investment strategy](https://info.pacificinvestmentresearch.com/blog/why-being-unique-is-the-best-investment-strategy) By: [Richard Schultz](https://info.pacificinvestmentresearch.com/blog/author/richard-schultz) Oct 08, 2018 Being a copycat won’t serve you in life, and it won’t help in investments either! Your unique situation changes how you invest, so adopting someone else’s.. [Read More](https://info.pacificinvestmentresearch.com/blog/why-being-unique-is-the-best-investment-strategy) ## [Understanding our Short-Term Market Indicator ](https://info.pacificinvestmentresearch.com/blog/3306377/edit-beta/5660051495/settings) By: [Richard Schultz](https://info.pacificinvestmentresearch.com/blog/author/richard-schultz) Mar 26, 2018 **Short Term Indicator** **The Short-term Indicator gauge is updated every Monday morning and reflects our reading of the stock market at that point in time. ..** [Read More](https://info.pacificinvestmentresearch.com/blog/3306377/edit-beta/5660051495/settings) ## [How Much Income Will You Need During Retirement?](https://info.pacificinvestmentresearch.com/blog/how-much-income-will-you-need-during-retirement) By: [Richard Schultz](https://info.pacificinvestmentresearch.com/blog/author/richard-schultz) Jan 02, 2018 How much will you need when you retire? [Read More](https://info.pacificinvestmentresearch.com/blog/how-much-income-will-you-need-during-retirement) ## [4 Financial Planning Tips for Recent Widows](https://info.pacificinvestmentresearch.com/blog/4-financial-planning-tips-for-recent-widows) By: [Richard Schultz](https://info.pacificinvestmentresearch.com/blog/author/richard-schultz) Aug 22, 2017 Of all the life events women experience, none are as transformative or stressful as losing a husband. There are no words to express the emotional trauma.. [Read More](https://info.pacificinvestmentresearch.com/blog/4-financial-planning-tips-for-recent-widows) ## [How Long Will My Retirement Money Last?](https://info.pacificinvestmentresearch.com/blog/how-long-will-my-retirement-money-last) By: [Richard Schultz](https://info.pacificinvestmentresearch.com/blog/author/richard-schultz) Aug 22, 2017 **[When creating a financial plan](http://138.68.1.151/what-we-do-2/financial-planning/)**, many investors focus on their retirement “number” – the amount of money they need to save to be able to retire. However,.. [Read More](https://info.pacificinvestmentresearch.com/blog/how-long-will-my-retirement-money-last) ## [Getting Ready to Retire Checklist for Executives and Professionals](https://info.pacificinvestmentresearch.com/blog/getting-ready-to-retire-checklist-for-executives-and-professionals) By: [Richard Schultz](https://info.pacificinvestmentresearch.com/blog/author/richard-schultz) Aug 22, 2017 As an executive or professional, preparing for retirement is what you’ve been doing since the day you started contributing to your first 401(k) or 403(b)... [Read More](https://info.pacificinvestmentresearch.com/blog/getting-ready-to-retire-checklist-for-executives-and-professionals) ## [5 Things to Know About Timing Your Social Security Retirement Benefits](https://info.pacificinvestmentresearch.com/blog/5-things-to-know-about-timing-your-social-security-retirement-benefits) By: [Richard Schultz](https://info.pacificinvestmentresearch.com/blog/author/richard-schultz) Aug 22, 2017 Here’s an important thing to keep in mind about **[Social Security](http://ssa.gov/) **retirement benefits: it is a government program, meaning that it almost by definition must.. [Read More](https://info.pacificinvestmentresearch.com/blog/5-things-to-know-about-timing-your-social-security-retirement-benefits) ## [Planning for Your Retirement Healthcare Needs](https://info.pacificinvestmentresearch.com/blog/planning-for-your-retirement-healthcare-needs) By: [Richard Schultz](https://info.pacificinvestmentresearch.com/blog/author/richard-schultz) Aug 22, 2017 Nothing can devastate a carefully-considered and executed retirement plan faster than unexpected health care costs. [Read More](https://info.pacificinvestmentresearch.com/blog/planning-for-your-retirement-healthcare-needs) ## [Should You Have a Gifting Strategy as Part of Your Estate Plan?](https://info.pacificinvestmentresearch.com/blog/should-you-have-a-gifting-strategy-as-part-of-your-estate-plan) By: [Richard Schultz](https://info.pacificinvestmentresearch.com/blog/author/richard-schultz) Aug 22, 2017 Nobody wants to pay more in taxes than they are legally required to. [Read More](https://info.pacificinvestmentresearch.com/blog/should-you-have-a-gifting-strategy-as-part-of-your-estate-plan) [Next](https://info.pacificinvestmentresearch.com/blog/author/richard-schultz/page/2) ### Subscribe to our newsletter ### Popular Posts - [![Everyone's Talking About: The Fed](https://info.pacificinvestmentresearch.com/hubfs/market%20vol%20pp%3B.jpg)](https://info.pacificinvestmentresearch.com/blog/everyones-talking-about-the-fed) [Everyone's Talking About: The Fed](https://info.pacificinvestmentresearch.com/blog/everyones-talking-about-the-fed) July 19, 2019 - [![Market Commentary - Week ending September 27, 2019](https://info.pacificinvestmentresearch.com/hubfs/Market%20Data%2009-30-2019.png)](https://info.pacificinvestmentresearch.com/blog/market-commentary-week-ending-september-27-2019) [Market Commentary - Week ending September 27, 2019](https://info.pacificinvestmentresearch.com/blog/market-commentary-week-ending-september-27-2019) September 30, 2019 - [![Market Commentary - Week ending February 10, 2020](https://info.pacificinvestmentresearch.com/hubfs/Guages_1.3-02-1.png)](https://info.pacificinvestmentresearch.com/blog/market-commentary-week-ending-february-10-2020) [Market Commentary - Week ending February 10, 2020](https://info.pacificinvestmentresearch.com/blog/market-commentary-week-ending-february-10-2020) February 10, 2020 ### Posts by Tag - [Market Commentary (123)](https://info.pacificinvestmentresearch.com/blog/topic/market-commentary) - [Market Snapshot (35)](https://info.pacificinvestmentresearch.com/blog/topic/market-snapshot) - [Retirement Planning (22)](https://info.pacificinvestmentresearch.com/blog/topic/retirement-planning) - [Insider (3)](https://info.pacificinvestmentresearch.com/blog/topic/insider) - [Buying Your Retirement Home (1)](https://info.pacificinvestmentresearch.com/blog/topic/buying-your-retirement-home) - [Social Security Topics (1)](https://info.pacificinvestmentresearch.com/blog/topic/social-security-topics) see all [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Finfo.pacificinvestmentresearch.com%2Fblog%2Fauthor%2Frichard-schultz%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Finfo.pacificinvestmentresearch.com%2Fblog%2Fauthor%2Frichard-schultz%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Finfo.pacificinvestmentresearch.com%2Fblog%2Fauthor%2Frichard-schultz%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Finfo.pacificinvestmentresearch.com%2Fblog%2Fauthor%2Frichard-schultz%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Insights%20%26%20Updates%20from%20Pacific%20Investment%20Research%20%7C%20Richard%20Schultz) [![Share on Pinterest](https://static.hubspot.com/final/img/common/icons/social/pinterest-24x24.png)](http://pinterest.com/pin/create/button/?url=https%3A%2F%2Finfo.pacificinvestmentresearch.com%2Fblog%2Fauthor%2Frichard-schultz%3Futm_medium%3Dsocial%26utm_source%3Dpinterest&media=http%3A%2F%2Fcdn1.hubspot.com%2Fhub%2F158015%2F305390_10100548508246879_837195_59275782_6882128_n.jpg) [![Share on Email](https://static.hubspot.com/final/img/common/icons/social/email-24x24.png)](mailto:?subject=Check%20out%20https%3A%2F%2Finfo.pacificinvestmentresearch.com%2Fblog%2Fauthor%2Frichard-schultz%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Finfo.pacificinvestmentresearch.com%2Fblog%2Fauthor%2Frichard-schultz%3Futm_medium%3Dsocial%26utm_source%3Demail) ### Wondering when you can retire? 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