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Independent. Objective. Advice. From Your Hometown Team Gould Ruma Financial Advisors

Financial Planning

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.

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Asset Management

LPL Financial provides access to independent research, asset management and a wide array of financial products from the nation’s top providers.

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Tax
Planning

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.


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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.

Helpful Content

A Brief History of Estate Taxes

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

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

What Smart Investors Know

Smart investors take the time to separate emotion from fact.

 

Insurance Needs Assessment: When You're Newly Married

Marriage changes everything, including your insurance needs.

How Financial Advisors Are Compensated

Read this overview to learn how financial advisors are compensated.

Directors and Officers Liability Insurance

Not only can D&O insurance provide financial protection, but it can help improve an organization’s decision-making.

The Lowdown on Those Free Credit Scores

What’s the deal with your yearly free credit report?

A Decision Not Made Is Still a Decision

Investors who put off important investment decisions may face potential consequence to their future financial security.

Social Security: Five Facts You Need to Know

Here are five facts about Social Security that are important to keep in mind.

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A Look at Systematic Withdrawals

This calculator may help you estimate how long funds may last given regular withdrawals.

Interested in a Fuel Efficient Car?

Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.

How Compound Interest Works

Use this calculator to better see the potential impact of compound interest on an asset.

Comparing Investments

This calculator compares the net gain of a taxable investment versus a tax-favored one.

Inflation & Retirement

Estimate how much income may be needed at retirement to maintain your standard of living.

Potential Income from an IRA

Estimate your monthly and annual income from various IRA types.

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Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

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Estate Management 101

A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate

The Richest Man in Babylon

In good times and bad, consistently saving a percentage of your income is a sound financial practice.

Should I Invest In REITs?

Are Real Estate Investment Trusts right for your portfolio?

Coaches

Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.

Retirement Redefined

Around the country, attitudes about retirement are shifting.

Inflation and Your Portfolio

Even low inflation rates can pose a threat to investment returns.

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