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As an individual investor, you will appreciate Gouldin & McCarthy’s honesty and hard work combined with their deep financial experience. You’ll welcome the personal service that always puts your interests first. You’ll enjoy the peace of mind that comes when this boutique family-owned firm works for you helping you grow and preserve your wealth.
Expert Advice With You In Mind
We offer an integrated approach to wealth management and financial planning that is tailored to meet your needs and help you reach your goals. Because every investor’s situation is unique, we don’t use the “one size fits all” approach, and instead provide a wide range of planning options, products and services. In the end, our objective is to make sure every client can answer these Key Financial Planning questions:
1. Do you know exactly what would happen to your family if you or one of you didn’t wake up tomorrow?
2. Do you know exactly what would happen to your family if you or one of you became disabled tomorrow?
3. Who will you need to or just want to help educate? When? Do you have a plan to pay for it?
4. How and when do you see yourself retiring? What will you do and what will it cost to do it? Do you have a plan for a 20 or even 30 year retirement?
5. Are your parents living and if so will you be expected to pay for their care in the future? Have you made any provisions for that? Have you made any provisions to pay for your own care in the future?
6. How important is it for you to intervene financially in the lives of your children or grandchildren? Do you have a plan to do so? Are you interested in leaving a legacy? Do you want to contribute meaningfully to a charity (s)?
7. Assuming that up to half of your estate will be payable in taxes to the government when you’re gone, what have you done to ensure that major assets including your home and/or business will not need to be liquidated in order to pay those taxes?
How We Partner With You
At Gouldin & McCarthy, LLC, our comprehensive process is designed to get to know you, where you want to go, and get you there by responsibly protecting and growing your wealth along the way.
- We meet with you to identify your goals, objectives, current financial situation and tolerance for risk.
- We create a customized plan designed to maximize return while minimizing tax exposure.
- We create a portfolio appropriate to your situation using a variety of proprietary model portfolios of no-load or load-waived mutual funds. We can also customize your portfolio to include other investments like equities and fixed income products.
- We’ll help you create a budget, if necessary, to manage your cash flow.
- We’ll perform an insurance needs analysis to ensure that you and your family are protected.
- We’ll work with you to develop a retirement savings plan designed to let you enjoy the lifestyle you choose, and not outlive your assets.
- If you have children or grandchildren, we’ll provide you with solutions for their higher education and explore gifting options.
- The proper distribution of your wealth after you’re gone is just as important as managing your assets while you are alive. We’ll help you develop a complete estate plan that maximizes the use of trusts, charitable giving and proper documentation.
- We meet with you quarterly to review the performance of your portfolio and ensure that it stays on track
- We conduct an annual assessment (or more often, if necessary) to make sure that your financial plan changes with you as your needs change.
Fees
Unlike some firms that bury their fees in the “fine print,” we believe in full disclosure. As such, our management fees and any commissions will be fully disclosed to you at all times.
Independent Advice From a Firm Committed to Your Goals and Objectives
You can go anywhere to get advice and every financial planner will position themselves as the person to whom you should entrust your financial affairs. Here’s why Gouldin & McCarthy is the natural choice:
- We are an independent, privately owned, family firm with no ties to a giant corporate parent.
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A majority of our new business is through personal referrals.
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We take our responsibility to manage your life savings seriously.
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Our entire focus is on developing and managing a comprehensive financial strategy that meets your unique needs.
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We are committed to supporting you in your efforts to realize your goals and objectives.
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We consistently exceed our clients’ expectations.
For more information about how we can help you realize your financial dreams, click here.
GOULDIN & MCCARTHY, LLC
180 Mount Airy Road, Suite 203
Basking Ridge, NJ 07920
Phone: (908) 630-0200 Fax: (908) 630-0202
Securities offered through Comprehensive Asset Management & Servicing, Inc.
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