Gould Ruma Financial Advisors Because each client is unique, Gould Ruma Financial Advisors provides a customized approach to asset management that focuses on each client’s investments, what they are for, and why they are recommended. We start with an initial consultative session, helping to solidify a deeper discovery of each client’s financial goals and concerns. We then utilize cash flow based financial planning and tax planning strategies, allowing us to better assist with both top-line returns and bottom-line, after-tax income streams. In the end, our concerns are our clients’ goals and bottom dollar. This more comprehensive approach may not be found at other financial planning or financial services firms.