Gould Ruma Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
5
0% high-net worth
Total advisors
2
of 2 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
3
Average account size
$0
About
Gould Ruma Financial Advisors provides financial planning, tax planning and consulting services focused on clients’ budgets, estate, tax, business planning, insurance reviews and goal-setting. The firm does not manage or custody client assets and completes planning engagements through written deliverables rather than ongoing discretionary portfolio management.
The firm operates on an hourly or fixed-fee planning model rather than charging a percentage of assets under management and states its fiduciary duty to put client interests ahead of its own. For investment implementation the adviser generally favors mutual funds and ETFs and relies on research from LPL Financial and Morningstar; when investment management is needed the firm refers clients to LPL Financial and associated persons may serve in broker-dealer or insurance capacities.
Compared with many peers, Gould Ruma is structured as a planning-only adviser and explicitly disclaims portfolio management and custody, which is uncommon among supported firms that typically offer AUM-based services. Its associated persons’ dual roles as LPL-registered representatives and insurance agents (and the disclosure that they spend most of their time on LPL-related activities) create a different service model and potential conflicts that the brochure addresses through disclosures and offset policies.
Client services
Expertise
Fee options
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
Main office location
Gould Ruma Financial Advisors
3231 Central Park West, Suite 211
Toledo OH 43617, United States
Number of offices
1
Most active in
Ohio
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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