Gosch Wealth Advisory

The firm provides financial planning and portfolio management services to individuals and high-net-worth individuals. Its advisory offering is delivered in a sequential structure: an initial financial assessment and written plan, an ongoing comprehensive planning relationship, and investment management that is offered only to clients who maintain the ongoing planning service.

The firm’s investment approach is goals-based and emphasizes asset dedication and cash-matching to meet future liabilities, applying modern portfolio theory principles and a mix of passive and active strategies with a long-term orientation. It implements portfolios using mutual funds, ETFs, individual securities and, where appropriate, outside managers or model portfolios (including participation in a model marketplace and consideration of Dimensional investment products).

A distinctive feature is the firm’s affiliation with a public accounting practice operated by the firm’s principal; the brochure discloses reciprocal referrals between the advisory and accounting businesses and describes measures for client choice to mitigate conflicts. The firm is recently formed and, as of the brochure date, had no assets under management; it also discloses that it executes client trades on an individual basis rather than aggregating (block) trades.