Making financial planning easy. simple. clear. better. painless. a cinch.

Welcome to the Caffeine & Cash Flow Podcast with Financial Advisor Michael Schulte of WestPac Wealth Partners.

Are taxes, market volatility, inflation and other risks draining YOUR energy and YOUR portfolio? If you need help planning how to tackle these financial headwinds, then this is the show for you!





Learning From John Wooden’s Pyramid of Success

Are you ready to take your financial planning to the next level? In this episode of Caffeine and Cash Flow, Michael and Ben explore the timeless wisdom of legendary coach, John Wooden. Wooden’s Pyramid of Success has guided countless individuals to greatness, both on and off the court, and certainly has some powerful takeaways for your everyday life and financial planning.

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Exit Planning for Business Owners

Are you a business owner who’s ever wondered about the best way to exit your venture when the time comes? You’re not alone. Exit planning is a critical yet often overlooked aspect of entrepreneurship. Today we’ll try to help unravel the com-plexities of exit planning and discuss the different options most people consider when it comes time to sell the business.

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Estate Planning 101

Have you ever considered how you’ll safeguard your financial legacy for the next generation? Today we want to dive into some of the technical aspects of estate planning and the crucial role it plays in retirement strategy.

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New Episodes Every Other Week...


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The S&P 493 Has a Nice Ring To It But Not Much Return

There are times when, as your advisor, I must point out that things we might have taken for granted in the past, like assuming the S&P 500 index is automatically a good diversification of your money and use it as a litmus test to compare how we are doing in your portfolio, is not actually holding up.   On its face a basket of 500 stocks would seem to be the definition of diversification.  But it’s not.  Not right now.

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Michael Schulte is a Financial Advisor and Certified Business Exit Planner at WestPac Wealth Partners. He earned his bachelor’s degree in finance from UNLV and started his financial services practice in 2012.

Michael strives to help families and business owners make smart financial decisions so they can live on their own terms the rest of their life regardless of what life events and opportunities come their way. Ultimately, Michael wants to help make sure you can live The American Dream today and into the future.





Check the background of your financial professional on FINRA’s BrokerCheck. Copyright 2023 Caffeine & Cash Flow Podcast. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. Michael Schulte is an investment advisor representative and certified exit planner with WestPac Wealth Partners, located at 330 South Center Street, Suite 344, Casper, Wyoming 82601. The podcast is for informational purposes only. Individual risks and investment objectives must be reviewed prior to making any recommendations. Podcasts are for informational purposes only. Any guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or WestPac Wealth Partners and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Michael is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 5 Centerpointe Dr Suite 150, Lake Oswego, OR 97035, 503-207-4550. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. WestPac Wealth Partners is not an affiliate or subsidiary of PAS or Guardian. 2023-149380 Exp. 1/25. Terms of use. Online Privacy Policy. Important Disclosures.