Carl Schultz joined Waverly Advisors in December 2025 after Forefront Wealth Management was acquired by Waverly Advisors, LLC. As Partner and Wealth Advisor, Carl helps investor families turn complexity into clear, tax-aware decisions. As a fiduciary money manager, he runs a repeatable, evidence-based process, what to buy, when to sell, and where to redeploy the money, so portfolios stay aligned with life goals.
Carl pairs Waverly’s Investment Team with a proprietary research stack built on advanced automations along with his AI copilot “Max.” He blends each family’s goals with curated global intelligence, research, market signals, and best practices, to deliver disciplined, tax-aware portfolio management through market cycles and life transitions. Carl helps our investor families by demystifying and understanding complex topics such as Roth conversions, retirement-income and RMD strategies, and estate planning in collaboration with families and their attorneys and CPAs.
Before Waverly, Carl was the Founder and CEO/CIO of Forefront Wealth Management. My north star is simple: clarity, discipline, and outcomes aligned to the one life you have.
Carl and his wife, Joy, enjoy time with their adult children, Bryan and Kelly. He keeps active with golf, skiing, and pickleball—and he’s a lifelong learner who’s usually got an audiobook playing.