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.
What If You Get Audited?
The chances of an IRS audit aren't that high. And being audited does not necessarily imply that the IRS suspects wrongdoing.
TIPS for Inflation
If you are concerned about inflation and expect short-term interest rates may increase, TIPS could be worth considering.
Inflation - Back to the Future
Even low inflation rates over an extended period of time can impact your finances in retirement.
Here's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.
What kind of auto insurance should you have? Do you know?
Understanding some basic concepts may help you assess whether zero-coupon bonds have a place in your portfolio.
A quick look at how federal income taxes work.
By understanding a few key concepts during a divorce, you may be able to avoid common pitfalls.
Understanding how a stock works is key to understanding your investments.
Estimate how much of your Social Security benefit may be considered taxable.
Enter various payment options and determine how long it may take to pay off a credit card.
Use this calculator to better see the potential impact of compound interest on an asset.
Determine if you are eligible to contribute to a traditional or Roth IRA.
Assess whether you are running “in the black” or “in the red” each month.
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
A presentation about managing money: using it, saving it, and even getting credit.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Using smart management to get more of what you want and free up assets to invest.
There are some smart strategies that may help you pursue your investment objectives
The importance of life insurance, how it works, and how much coverage you need.
The chances of needing long-term care, its cost, and strategies for covering that cost.
In life it often happens that the answers to our most pressing questions are right in our own backyards.
From the Dutch East India Company to Wall Street, the stock market has a long and storied history.
Do you have causes that you want to support with donations? Here are three tips.
There are hundreds of ETFs available. Should you invest in them?
Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.
There are three things to consider before dipping into retirement savings to pay for college.