Gosho Financial Group

The firm serves individuals, families, pension and profit-sharing plans, trusts, estates, charitable organizations and business entities, offering discretionary portfolio management, non‑discretionary financial planning, pension consulting and referrals to unaffiliated money managers (with assistance on account opening and policy recommendations). Financial planning can be delivered as formal written plans, single reviews, in‑person or telephonic consultations, or on a retainer basis.

The firm’s investment approach emphasizes tactical asset allocation intended to reduce risk and increase long‑term total return and employs fundamental, technical and cyclical analysis when selecting securities and mutual funds. Portfolios are managed to client objectives on a discretionary basis, while financial planning engagements are available under hourly, fixed‑fee or project arrangements and are tailored to each client’s goals and circumstances.

Noteworthy for a firm of this type, the brochure discloses pension‑focused services that include participant fiduciary advice and the delivery of educational seminars or workshops for plan participants and sponsors, an offering that the firm highlights in its pension consulting section. The adviser manages roughly $25 million in client assets across a small client base, discloses referrals to third‑party managers (including receipt of a portion of the manager’s fee) and maintains policies limiting custody to authorized fee deduction and leaving proxy voting to clients.