Joseph Schultz, CFP®

Joseph Schultz is a Senior Financial Advisor with HBKS® Wealth Advisors, bringing more than 30 years of financial services experience to clients in Holmdel, New Jersey, and beyond. His career spans Wall Street’s largest institutions and specialized boutique firms, giving him a rare blend of deep institutional expertise and personalized, relationship-driven advisory skills.

Before joining HBKS®, Joseph held leadership positions at respected firms including Morgan Stanley, Barclays, RBC Capital Markets, and Ladenburg Thalmann. Across these roles, he advised institutional investors—mutual funds, hedge funds, and family offices—while also guiding public and private companies through complex capital-raising and growth transitions. His specialization in REITs, capital markets, and complex investment strategies provides clients with a sophisticated perspective on valuation, risk, and liquidity.

Today, Joseph applies this expertise to serve corporate executives, business owners, and high-net-worth families, particularly those navigating major transitions such as retirement, business succession, liquidity events, or concentrated stock positions. His approach is comprehensive, integrating investment management, retirement and estate planning, and advanced tax strategies to create clarity and confidence for his clients. He works in close collaboration with CPAs, ensuring clients benefit from coordinated, tax-aware strategies that align both business and personal financial goals.

Joseph is a graduate of Rutgers University with a B.A. in Sociology and a minor in Computer Science. He is also a CERTIFIED FINANCIAL PLANNER™ professional.

Distinctive Expertise

• Capital Markets Insight: Decades of experience advising institutional investors and structuring capital solutions for corporations.
• Complex Case Strategies: Expertise in succession planning, liquidity management, and wealth transfer for business owners and executives.
• Holistic Wealth Planning: Integration of investments, estate considerations, and tax strategies into seamless, multi-generational plans.

Personal Perspective

Joseph’s philosophy is shaped by both market experience and life lessons. He recalls witnessing a CEO lose nearly his entire fortune by refusing to diversify—a reminder that discipline, diversification, and foresight are essential. This conviction underpins his philosophy: “Expect and plan for the worst. Diversify and know your investment time frame.”

Beyond his professional role, Joseph is a passionate runner who trains daily on tracks and trails. He also has a creative side—having once programmed and published a commercial iPhone game in under 30 days, reflecting his love for technology, curiosity, and innovation.