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.
Where Will Your Retirement Money Come From?
Retirement income may come from a variety of sources. Here's an overview of the six main sources.
Keeping Up with the Joneses
Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?
The Cost of Procrastination
Don't let procrastination keep you from pursuing your financial dreams and goals.
There are ways to improve your physical fitness without denting your fiscal fitness.
Not only can D&O insurance provide financial protection, but it can help improve an organization’s decision-making.
Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.
Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.
It's important to make sure your retirement strategy anticipates health-care expenses.
Understanding the value of a home warranty.
Estimate your monthly and annual income from various IRA types.
This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
Use this calculator to estimate your capital gains tax.
Investment tools and strategies that can enable you to pursue your retirement goals.
Learn more about taxes, tax-favored investing, and tax strategies.
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
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.
Roth IRAs are tax advantaged in a different way from traditional IRAs.
Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.
Even low inflation rates can pose a threat to investment returns.
Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.
Smart investors take the time to separate emotion from fact.
Agent Jane Bond is on the case, uncovering the mystery of bond laddering.