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Independent. Objective. Advice. A More Comprehensive Approach Gould Ruma Financial Advisors

Financial Planning

Gould Ruma Financial Advisors provides guidance on life’s complex financial puzzle, counseling clients over the long term to address their ever-changing questions and concerns.

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Asset Management

We manage assets focusing on the goals established in each client’s plan, and we seek to help our clients avoid making costly mistakes with their investments. 

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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

Gould Ruma Financial Advisors is a Registered Investment Advisory Firm whose sole focus is our clients. We have more than 30 years of industry experience with providing financial planning, asset management, and tax preparation and planning services. Through this more comprehensive, three pronged approach, we provide the timely, responsive and thoughtful service that our clients deserve.

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Helpful Content

How Does Your Credit Score Compare?

How Does Your Credit Score Compare?

Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.

Thinking of Retiring Abroad?

Thinking of Retiring Abroad?

However exciting retiring abroad may sound, it deserves considerable planning.

Estate Management Checklist

Estate Management Checklist

Is your estate in order? This short quiz may help you assess your overall strategy.

 

Choices for Your 401(k) at a Former Employer

Individuals have three basic choices with the 401(k) account they accrued at a previous employer.

Critical Estate Documents

Sound estate management includes creating financial and healthcare documents. Here's an inside look.

A Penny Saved is Two Pennies Earned

Here are some simple and inexpensive energy-saving tips that may help you save money.

Options When Your CD Matures

Knowing your options when a CD matures can help you make a sound investment decision.

Is a SEP-IRA Right for Your Business?

For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration.

Personal Finance Tips for Military Families

Military families face unique challenges, making personal finance even more critical.

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What Is the Dividend Yield?

This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.

Comparing Investments

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

Comparing Mortgage Terms

Estimate the total cost in today's dollars of various mortgage alternatives.

What Is My Current Net Worth?

Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.

Tax Freedom Day

Assess how many days you'll work to pay your federal tax liability.

Should I Pay Off Debt or Invest?

This calculator will help determine whether you should invest funds or pay down debt.

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Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

Protecting Those Who Matter Most

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

Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

An Inside Look at Retirement Living

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

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Emerging Market Opportunities

What are your options for investing in emerging markets?

From Boats to Brokers

From the Dutch East India Company to Wall Street, the stock market has a long and storied history.

Events on Wall Street

Can successful investors predict changes in the markets? Some can but others miss the market’s signals.

Suddenly Single: 3 Steps to Take Now

Have you found yourself suddenly single? Here are 3 steps to take right now.

Retiring the 4% Rule

A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.

Safeguard Your Digital Estate

If you died, what would happen to your email archives, social profiles and online accounts?

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