Gosch Wealth Advisory

The firm provides financial planning and investment management services to individuals and high-net-worth clients, offering a stand-alone initial financial assessment and written plan, an ongoing comprehensive planning subscription, and discretionary investment management that is available only to clients who maintain the ongoing planning service. It operates as a fee-only adviser and delivers portfolio management for individual clients consistent with common independent-firm practices.

The firm’s investment approach is goals-based and asset-dedication focused, using cash-matching for income needs, diversified equity allocations for growth, and principles of Modern Portfolio Theory; it employs both passive and active vehicles and may engage outside managers and model portfolios on its custodial platform. Tax efficiency and the option for socially conscious investments are considered when tailoring portfolios, and the firm monitors allocations and rebalances over time.

Noteworthy differences from many peers include an affiliation with a public accounting practice: the firm’s principal also operates a CPA business, may refer clients between the advisory and accounting practices, and discloses devoting 5–10 hours per week to accounting activities during market hours, which raises potential referral and time-allocation considerations. The firm is newly registered with no reported assets under management at the time of its initial ADV filing and uses a sequential service structure—an initial project that can be waived if the client does not continue and a planning-first requirement before investment management—which is operationally uncommon among independent advisers.