Carl Schultz

Chief Executive Officer, Chief Investment Officer

Carl Schultz has been helping individuals, families, and businesses build better financial outcomes for over 35 years. Throughout his career, Carl has developed a reputation for helping investors simplify the complexities of investing. Carl's specialties include financial planning, wealth management, portfolio management, and technical market analysis. Carl's passion for investing began during his high school years when his chemistry teacher spent entire class periods teaching the class how to trade silver futures instead of explaining its atomic structure.

Growing up in Havertown, PA, Carl's parents owned and operated a hundred-year-old family business, sparking his entrepreneurial spirit from an early age. His dream of owning his own business was realized when Carl launched Forefront Wealth Management, an independent fiduciary Registered Investment Adviser. Before starting his own business, Carl worked for numerous well-respected financial institutions, including Wells Fargo Advisors, Smith Barney.

  • Certified Financial Manager from the Donald Reagan School of Financial Management 1987 (predecessor to the CFP® certification)
  • Asset Investment Measurement certification (AIM), 1989 (predecessor to CIMA® certifications)
  • Senior Portfolio Investment Manager (PIM) 2004, Wells Fargo (fiduciary discretionary portfolio management certification)
  • Certified Retirement Counselor (CRC) in 2007

Outside the office, Carl loves to stay active and travel. Some of his favorite hobbies include golf, skiing, pickleball, and listening to audiobooks. Carl and his wife, Joy, married in 1982. They have two children, Bryan and Kelly.