Gwendolyn J. Floyd, CPA, CFP(R)

The firm provides financial planning and related advisory services to individuals (including both non‑high‑net‑worth and high‑net‑worth clients), families, and businesses, delivering written plans and consultations based on each client’s situation and objectives. It does not manage client assets, does not take custody or discretionary authority, and its recommendations are typically implemented by clients through third‑party custodians.

In forming advice the firm emphasizes long‑term, low‑cost, buy‑and‑hold strategies and uses fundamental analysis to recommend diversified portfolios, primarily composed of mutual funds and ETFs, with security‑specific reviews available on request. Financial planning engagements are structured as hourly, fixed‑project, or fixed annual arrangements rather than percentage‑of‑assets fees, and regular reviews or plan updates are provided when contracted or requested.

What is distinctive about this firm compared with many peers is that the principal also serves as a registered representative of a broker‑dealer and operates an affiliated accounting practice that offers tax and accounting services, with a substantial portion of the principal’s time devoted to those accounting activities; clients are not required to use those ancillary services. The combination of offering individual and high‑net‑worth financial planning while not managing assets, using non‑AUM fee arrangements, and maintaining broker‑dealer and accounting affiliations is uncommon for firms categorized primarily as investment managers.