About Matt
Built to be personal, accessible, and independent
I am Matthew Schulster, an independent insurance consultant. I work with business owners, high-net-worth families, professional athletes, public figures, and their advisors to coordinate protection across the open market.
I studied at the University of Florida, where I earned my undergraduate and master's degrees with a focus on business, finance, and risk management.
I started in the insurance industry in 2021, interning for Pro Player Insurance. The work centered on professional athletes, whose situations combine high-value assets, career income, disability risk, contracts, travel, privacy, and responsibilities that change quickly.
Since then I have advised 200+ professional athletes, with a particular focus on disability and future-income protection, so that the years that generate the income are protected before anything else is bought.
I founded Schulster Consulting because I wanted the relationship to be personal and the advice to be accessible. Clients should be able to reach the person who built their coverage, understand the recommendation, and trust that it was chosen for them.
Independence is the other reason. As an independent consultant, rather than a captive agent tied to a single carrier, I can shop the open market and place each risk where it fits instead of fitting the client to one shelf of products.
The athlete work set a standard of care that I bring to every client. Whether the exposure is a company, a family, or a contract, the process is the same: understand the full picture first, then coordinate the protection.
Philosophy
Mission
My mission is to be a trusted one-stop shop for my clients' insurance needs. I help businesses, high-net-worth individuals, families, and professionals protect what they have built by coordinating personal insurance, commercial coverage, group health, life, and disability insurance with clarity and open-market access. My experience with 200+ professional athletes reflects the level of service and attention I bring to every client.
Purpose
To make insurance easier to understand and coordinate for people and businesses with meaningful assets, income, employees, and responsibilities to protect.
Vision
To become the most trusted insurance resource for business owners, employers, high-net-worth families, professionals, and the advisors who serve them.
Personal approach
What working with me looks like
You work directly with me, from the first call onward.
Complicated policies are translated into practical decisions you can understand.
Coverage is coordinated through one relationship, then revisited as life changes.
Discretion is the default, for every client.
Let's talk about what you have built
A first conversation is short and without obligation. Tell me what you own, what you earn, and who depends on you, and I will tell you where I would start.