Advisor at Gould Ruma Financial Advisors
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Firm
Gould Ruma Financial Advisors
Location
Toledo, OH 43617
Credentials
ChFC®, Series 63, Series 66
Industry experience
38 years
Peter Ruma is a ChFC® credentialed financial advisor with 38 years of industry experience. He is a principal at Gould Ruma Financial Advisors in Toledo, OH, where he has worked since 2009. Prior to that, he was associated with LINSCO/Private Ledger, Corp. since 2005. His other business activities include selling fixed life insurance and group insurance products. Gould Ruma Financial Advisors provides financial, tax, and business planning services focused on budgets, estate, tax, insurance reviews, and goal-setting. The firm operates on an hourly or fixed-fee planning model without managing or custodian client assets, referring investment management to LPL Financial and emphasizing written planning deliverables over discretionary portfolio management.
Based on Gould Ruma Financial Advisors
Fixed fees generally range from $3,000 to $5,000 depending on the range and complexity of services
Associated persons may receive commissions from securities transactions and insurance sales, which are offset against financial planning fees if received within 12 months after planning
Hourly rate of $210 per hour
Fee-only: Hourly fee of $210 per hour; fixed fees generally range from $3,000 to $5,000 based on complexity
3231 Central Park West, Suite 211
Toledo, OH 43617
Ohio
Gould Ruma Financial Advisors
2009 - Present (17 years)
LINSCO/Private Ledger, Corp.
2005 - Present (21 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is not active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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