Financial Planning Have you ever taken on a 1,000-piece puzzle without scrutinizing the box first to help figure out a solution? Starting a job or business - and saving for a home, kids’ college and retirement - are just a few of the pieces in life’s complex financial puzzle. Gould Ruma Financial Advisors provides guidance with clients’ financial pieces, counseling them over the long term to address their ever-changing questions and concerns.What’s the best approach to college savings? Do I have enough life insurance for my family? What is the best way to maximize income in retirement? How can I minimize taxes? What will happen to my assets if I have a long-term illness? How can I avoid probate? How can I preserve my estate for my heirs? What is the best way to provide for the charities I support?Gould Ruma Financial Advisors provides independent, objective advice about these and other questions. Our focus is providing ongoing planning, not selling products. Individuals and families retain Gould Ruma Financial Advisors to:Develop and monitor the financial planning process to help them understand and work toward not only their required, but desired, retirement planning goals.Use tax planning strategies to more effectively manage their assets and sources of income.Obtain an independent, objective second opinion from a Registered Investment Advisor and fiduciary who puts their interests first.Visit our Resources section for more information about retirement, investing, tax resources and more. Ask an Advisor Name Email Address Phone Question Thank you! Oops!