Independent, Non-Proprietary fee based advice model to better pursue the goals and objectives, or address the issues and concerns, that are important to our clients.
LPL Financial provides access to independent research, asset management and a wide array of financial products from the nation’s top providers.
By performing tax preparation services for our financial planning clients, we are able to provide a greater level of coordination between their investment and tax strategies to better address short and long term financial goals.
Welcome to Gould Ruma Financial Advisors
We would like to welcome you to Gould Ruma Financial Advisors, a Registered Investment Advisory Firm, whose sole focus is you. Our clients are treated with professionalism, personal service and respect. They appreciate our timeliness and responsiveness to their concerns. We hear this from our Client Advisory Board, in meetings, and in their notes of appreciation for our thoughtfulness and work. We have 30 years of industry experience and provide financial planning, asset management, and tax preparation and planning services. This comprehensive approach is not typically found at many financial planning or financial services firms.
A Brief History of Estate Taxes
Federal estate taxes have long since been a lucrative source of funding for the federal government.
The Economic Journey of Your Morning Coffee
Few contemplate the complex journey that brought their coffee from farm to kitchen table.
What Smart Investors Know
Smart investors take the time to separate emotion from fact.
Marriage changes everything, including your insurance needs.
Read this overview to learn how financial advisors are compensated.
Not only can D&O insurance provide financial protection, but it can help improve an organization’s decision-making.
What’s the deal with your yearly free credit report?
Investors who put off important investment decisions may face potential consequence to their future financial security.
Here are five facts about Social Security that are important to keep in mind.
This calculator may help you estimate how long funds may last given regular withdrawals.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
Use this calculator to better see the potential impact of compound interest on an asset.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
Estimate how much income may be needed at retirement to maintain your standard of living.
Estimate your monthly and annual income from various IRA types.
The importance of life insurance, how it works, and how much coverage you need.
There are some key concepts to understand when investing for retirement
How federal estate taxes work, plus estate management documents and tactics.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
There are a number of ways to withdraw money from a qualified retirement plan.
Principles that can help create a portfolio designed to pursue investment goals.
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate
In good times and bad, consistently saving a percentage of your income is a sound financial practice.
Are Real Estate Investment Trusts right for your portfolio?
Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.
Around the country, attitudes about retirement are shifting.
Even low inflation rates can pose a threat to investment returns.