Our independent RIA, built around you

This year marked a major milestone for Scheeler Financial LLC as we launched our own independent Registered Investment Adviser (RIA). While our commitment to acting in your best interests hasn't changed, we now have greater independence and flexibility to make decisions, develop solutions, and invest in resources that directly benefit you, without the limitations of another firm's platform or priorities.

That independence has opened the door to exciting developments, including our new investment strategy, the publication of Purposeful Wealth, an expanded team, and enhanced technology. To everyone who has joined us on this journey, thank you. Your continued confidence and trust mean a great deal to us.

Introducing SFG StratTac

For decades, traditional portfolio construction has relied on a combination of stocks and bonds to balance growth and risk. While bonds continue to play an important role in diversified portfolios, recent market conditions have highlighted the limitations of relying on them alone for downside protection. In 2022, for example, rising interest rates contributed to significant declines in both stock and bond markets, demonstrating that even traditionally diversified portfolios can experience substantial losses.

Traditional diversification remains an important foundation of portfolio management, but we believe it can be complemented by a more dynamic approach. Rather than relying exclusively on fixed allocations through changing market conditions, we sought to develop a strategy that could respond systematically to evolving opportunities and risks.

Advances in technology, investment research, and trading efficiency have made it possible to implement more responsive investment strategies. By combining disciplined stock selection with systematic, rules-based tactical decisions, we aim to pursue long-term growth while adapting to changing market conditions. That's the philosophy behind SFG StratTac.

Strategy + Tactics

Strategy · 50% Sets the destination 20%Twin Momentum Strong prices + improving fundamentals 20%Peter Lynch GARP Growth at a reasonable price 5%Berkshire Hathaway Quality compounding 5%Baron Focused Growth High-conviction long-term growth

Tactics · 50% Manages the road Sherman Research signals decide when to be invested. The tactical half is split four ways: 55%S&P Top 4 Sectors 25%Top 5 Asset Classes 10%Energy 10%Gold When a signal turns negative, that slice moves to T-bills.

How the tactics work. Each market signal governs a specific portion of the tactical portfolio. When a signal turns negative, the corresponding allocation shifts to a defensive position, typically short-term Treasury bills, until the signal turns positive again. The process is systematic, designed to respond to changing market conditions rather than emotional reactions.

Where it stands today. Currently, most tactical signals are negative, resulting in a significant portion of the tactical portfolio being allocated to short-term Treasury bills. This positioning reflects the strategy's disciplined approach to risk management. While it may limit participation in continued market gains, it also reduces equity exposure during periods when the signals indicate heightened risk.

We've spent more than three years refining this process and formed a joint venture with Advyzon Investment Management to offer StratTac as a Unified Managed Account (UMA): one professionally managed account with cleaner reporting and simpler paperwork.

Purposeful Wealth is here

What happens when you've spent decades building wealth, but still aren't sure what it's all for? I wrote this book for people approaching or in retirement who want more than just more. It brings together finance, neuroscience and faith, and introduces our Red Brain / Blue Brain framework: a practical way to notice when fear is driving a money decision, and shift toward a solution. Get it on Amazon purposefulwealthbook.com

"Retirement is one of the highest-pressure transitions most people will ever face, and money is where that alarm rings loudest. … Purposeful Wealth doesn't pretend the fear isn't there. It gives readers a practical way to move from problem to solution."

— Dr. Jason Selk, former Director of Mental Training, St. Louis Cardinals; author of Relentless Solution Focus

Dr. Jason Selk is not a client of Scheeler Financial Group and has previously served as Rick Scheeler's professional coach. Dr. Selk received a complimentary copy of Purposeful Wealth and voluntarily provided this endorsement after reading the book. No compensation was provided in exchange for his statement. His comments reflect his personal opinion of the book and do not constitute an evaluation of SFG's investment advisory services.

"Rick, I just finished reading your book. It's excellent. … Your service to us has been excellent and included every aspect of financial advising you describe in the book."

— SFG client

This testimonial was provided by a current client of Scheeler Financial Group who received no compensation for the statement. The firm is not aware of any material conflicts of interest associated with the testimonial. This testimonial was selected by the firm and reflects one client's individual experience, which may not be representative of other clients' experiences. It does not guarantee similar experiences or future results.

If it resonated with you, a quick Amazon review or a copy for your adult children goes a long way. Next year we're also launching the Purposeful Conversation Series, covering estate planning, tax strategy, family gifting, charitable giving and retirement income.

You're invited

Book launch: Saturday, November 7

Join us at COhatch Mason from 11:30 AM to 2:30 PM to celebrate the release of Purposeful Wealth. Come say hello, pick up a signed copy, and enjoy lite bites, drinks and great company. Feel free to bring a friend who might enjoy the book or the conversation.

You'll also get a first look at the Purposeful Conversation Series: seven exclusive, intimate meetings beginning in February.

RSVP for November 7  Space is limited.

Built to serve you better

Ryan Wiggins Tax planning & preparation Ryan spent 17 years at the IRS before launching his own practice. Through our new joint venture, Ryan handles both planning and preparation, so strategies like Roth conversions can be modeled, executed and filed in one coordinated process.

Connor Grevey Advisor in training Connor joined us from Fifth Third and is training to become an advisor. He comes by it naturally: his father, Norm, has been my longtime partner and friend in Dayton. You'll see Connor in client meetings, where he takes notes and handles follow-up so nothing falls through the cracks, all while learning the business from the ground up.

Todd Helphinstine Director of Operations Todd brings more than 25 years of experience in financial services, product development, project management, and business operations to Scheeler Financial Group. Prior to joining SFG, Todd spent 24 years with Western & Southern Financial Group, where he held several leadership positions, including Assistant Vice President of Life Competition and Assistant Vice President of Product Development at Columbus Life. In these roles, he led product development initiatives, evaluated competitive markets, and worked with industry partners to bring innovative financial products to market. Throughout his career, Todd has focused on improving how organizations operate. His experience includes redesigning underwriting and new-business processes that generated approximately $500,000 in annual savings, helping establish an enterprise project management office, and leading significant technology implementations, including the company's first Salesforce deployment. Todd began his career with Accenture Consulting, where he worked on operational improvement initiatives for organizations including Fidelity and Sprint PCS. At SFG, Todd brings this experience to strengthening the firm's operations, supporting the advisory team, and helping ensure clients receive the thoughtful, consistent service they deserve. He values SFG's commitment to client relationships, integrity, and making a meaningful difference in the lives of the families it serves.

Video library

Short videos on Roth IRAs, retirement income, charitable giving, bear markets and more. Watch at scheelerfinancialgroup.com/videos, and reply with any topic you'd like us to cover.

Life at the Scheeler house

Ellie

Ellie and I hit 30 years together this July and look forward to our 30th wedding anniversary next year. What a ride! She keeps our household running, serves as our chief technology and compliance officer, is fully investment licensed, and also enjoys meeting with clients, including her own! I can't imagine doing any of it with anyone else.

Paul

Paul is back from China and living in Boston with his wife. It's a joy to have them stateside.

Catherine

Catherine is a neuro-ICU nurse on the night shift in Phoenix. Her journey has opened my eyes to how demanding it is to become a nurse, and even more so to be one. We celebrated her graduation with a special trip to Europe together.

Bernadette

A senior in Air Force ROTC, Bernadette earned the Combat Systems Operator role (the officer behind the pilot who runs navigation and mission systems), has also applied for the Office of Special Investigations, and received the Cadre Top Performer Award at the Air Force Academy this past summer. She also edited Purposeful Wealth!

Bridget

Bridget is a sophomore at the University of Dayton, and it's wonderful having her close. She traveled to China for Paul's traditional Chinese wedding ceremonies. She's also in Air Force ROTC and on track for field training this summer, though she's still deciding.

John

John is enjoying his 8th grade year at St. Sue’s. He is looking forward to shadowing high schools and figuring out the next four years. He enjoyed another quick trip to Europe this fall. While London has its appeal to most of us, the 13-year-old was most impressed with the “bridge that blew up in Spider-Man!” Rome simply blew him away!

Thank you for your trust and friendship. It's a privilege to walk alongside you and your family.

Warm regards,
Rick