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 may not be found at other financial planning or financial services firms.
How Income Taxes Work
A quick look at how federal income taxes work.
Retirement Traps to Avoid
Beware of these traps that could upend your retirement.
Jane Bond: Decoding Diversification
Agent Jane Bond is on the case, discovering how bonds diversify a portfolio.
China owns a portion of the total outstanding debt of the U.S. Government. What does it mean?
Tax preparation may be the perfect time to give the household budget a check-up.
For some, the social impact of investing is just as important as the return, perhaps more important.
Emotional biases can adversely impact financial decision making. Here’s a few to be mindful of.
Knowing the rules may help you decide when to start benefits.
Most women don’t shy away from the day-to-day financial decisions, but some may be leaving their future to chance.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
This calculator may help you estimate how long funds may last given regular withdrawals.
This questionnaire will help determine your tolerance for investment risk.
This calculator can help you estimate how much you may need to save for retirement.
Investment tools and strategies that can enable you to pursue your retirement goals.
There are a number of ways to withdraw money from a qualified retirement plan.
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.
A presentation about managing money: using it, saving it, and even getting credit.
The importance of life insurance, how it works, and how much coverage you need.
Estate conservation is too important to put off. Do you have a smart exit strategy?
Do you have causes that you want to support with donations? Here are three tips.
Why are 401(k) plans, annuities, and IRAs so popular?
What does your home really cost?
Agent Jane Bond is on the case, uncovering the mystery of bond laddering.
A special needs trust helps care for a special needs child when you’re gone.