gain clarity
gain confidence
gain control
financial planning
Our financial planning services are built on our values of integrity, honesty, trust, responsibility, innovation and learning. Our team is carefully committed to your goals, hopes, and dreams. You will never find an advisor who will care more about you and your family. We are not just financial advisors. We are your guide, your coach, your accountability partner, and your advocate. We want nothing more than for you to achieve your financial goals! Financial Planning is “a collaborative process that helps maximize a client’s potential for meeting life goals through financial advice that integrates relevant elements of the client’s personal and financial circumstances,” according to the Certified Financial Planning Board.
comfortable retirement
In March 2020 only *24% of people (that are still working ) felt very confident that they will have a comfortable retirement and we want to change that, so 100% of the people feel confident their money is invested right and will be there when they need it.
peace-of-mind
Your peace-of-mind for both retirement and your short-term financial goals is very important to us. We want you to live with freedom to pursue a life full of purpose and meaning and to become the hero of your own financial story. As you are looking for a financial advisor, check out our right-fit guide to help you ask the right questions so that you find the advisor that is right for you.
holistic approach
We are life advisors, meaning we take a holistic approach to financial planning. Even if we don’t manage the asset, we still include outside assets and income streams in your dynamic financial plan. We will continually update your plan as your situation, markets and the tax landscape evolves, providing you with a retirement plan that grows with you.
real estate investing
We would love to talk to you about real estate investing. We don’t just advise, but we also are real estate investors ourselves with 48 years of shared real estate experience.
advise on your employer-sponsored retirement plan
401k, 403b, 457 Advantage
We can advise on employer-sponsored retirement plans and we can manage your employer-sponsored accounts.
risk management
Our team can help you identify risks that could considerably diminish your wealth. Through insurance assessment we can partner you with top-tier private insurance solutions. While we like to encourage you to focus on what may go right with your situation, it’s also crucial to examine how you may be negatively impacted without proper defenses in place. It is often prudent and more cost effective to transfer risk to an insurance company to minimize the financial damage of an unanticipated event in your life or that of a loved one. We want to help you minimize your risk, but we do not sell you products. We have your best interest in mind when we discuss risk management options with you and we have no hidden agendas.
discover why clients trust us with their finances
Goodwin Investment Advisory (GIA) did not provide any cash or non-cash compensation in return for this client testimonial. This testimonial may not represent any other person’s experience with the firm. Past performance does not guarantee future results.
some of the ways we help you navigate insurance in your financial planning process may include:
term life insurance
term life insurance
Considers income replacement as well as business succession funding and estate planning through a vehicle which may be income-tax and estate-tax free, if structured properly.
long-term disability insurance
long-term disability insurance
Protects your income in the event you are unable to work prior to financial freedom. You are 3 times more likely to be disabled prematurely than to die prematurely.
long-term care insurance
long-term care insurance
Provides financial support for you to age well with coverage for respite care, in-home care, assisted living, nursing home care, or memory care.
private property and casualty insurance
private property and casualty insurance
Auto Insurance, Homeowners Insurance, Renters Insurance, boats, planes, and/or liability insurance for complex estates.
how to hire us
STEP 1
schedule your intro call
A GIA consultant will listen to your story and answer any questions you have during this free 15-minute intro call.
STEP 2
meet with a CFP® Professional
Together with your CFP® professional, we will assess your financial situation, discuss your goals, and share how we could craft a tailored investment strategy that aligns with your aspirations and risk tolerance.
STEP 3
achieve financial clarity
Join our firm for unparalleled customer service, get your personalized strategy, and access to all of our services. Enjoy the peace of mind and security that comes from having clarity about your financial future.
FAQs
All five of our financial advisors hold the CERTIFIED FINANCIAL PLANNER® certification. Earning this credential requires meeting rigorous education, examination, experience, and ethics requirements, along with ongoing continuing education.
GIA has been serving clients since 2004. Your advisor is also supported by our investment committee, planning professionals, and client service team.
Learn more: Meet our team | What is a CFP® professional?
We help coordinate the different parts of your financial life, including:
- Investment management.
- Retirement planning and income strategies.
- Social Security decisions.
- Tax planning, including Roth conversion strategies.
- Estate and legacy planning coordination.
- Charitable giving.
- Guidance through changes such as retirement, an inheritance, divorce, or the loss of a spouse.
We provide tax planning and coordinate with your CPA and attorney as needed for tax and legal advice.
Explore: Our services and client benefits
Your investments should support your goals, your timeline, and the level of risk you can reasonably take.
Our approach combines diversification, disciplined investment selection, attention to costs, and tax awareness. We use a dynamic approach to asset allocation, which means we may adjust the mix of investments as economic conditions change. Your advisor considers your income needs, financial resources, and comfort with risk when recommending a portfolio.
All investing involves risk, and returns are not guaranteed.
Learn more: Our investment management approach
Our approach brings together:
- CFP® expertise: All five financial advisors hold CFP® certification.
- A fiduciary commitment: Recommendations must put your best interests first.
- Coordinated planning: We consider how investments, retirement income, taxes, and family goals work together.
- An ongoing relationship: You have access to your advisor team as questions arise and life changes.
- A personal mission: We want to help you experience financial peace, independence, and generosity.
We want to understand what your money needs to do for you and help you make decisions that support that life.
Explore: How to work with us
GIA is a fee-only registered investment advisor. For ongoing investment management, our advisory fee is based on the assets we manage for you. The effective percentage decreases as the amount managed increases.
Fees are typically deducted from your investment accounts quarterly, with a published minimum of $1,875 per quarter. Financial planning is included for households with at least $500,000 under management. Underlying investment expenses and certain other account costs may apply separately.
Your advisor can explain the fee for your specific accounts, what it covers, and any additional expenses before you decide to move forward.
Review: Our fee schedule | Firm disclosures and relationship summary
Our team monitors your investments and reviews accounts as financial circumstances and market conditions change.
Fidelity is our preferred custodian. Its website and app provide account balances, performance information, statements, and tools for comparing returns with benchmarks. Investment management clients receive holdings and performance statements from Fidelity at least quarterly.
We also use gMoney, our collaborative financial planning tool, to bring together your broader financial picture, project income and expenses, and track progress toward your goals.
Learn more: Client tools and communication
Your advisor would start with the retirement you want: your preferred retirement date, expected spending, travel plans, healthcare needs, and other priorities.
Then, together, you would review:
- Retirement accounts, other investments, savings, and debt.
- Social Security, pensions, and other income.
- How much your investments would need to provide after taxes.
- How your plan could support a longer-than-expected retirement.
- What adjustments may help if your circumstances or assumptions change.
Using planning projections and different scenarios, your advisor can help assess whether your resources support your desired retirement and what changes could improve your outlook. These projections are estimates, rather than guarantees.
Timing: We can begin discussing these questions at your first advisor meeting. A personalized analysis depends on receiving your financial information and understanding the complexity of your situation. Your advisor can outline the steps and expected completion date. If you mean how many more years you may need to work, that is one of the questions the analysis would help answer.
Explore: Retirement planning | Free financial guides
Your advisor would evaluate both accounts as part of your overall retirement income and tax plan.
- Traditional 401(k): Withdrawals of pretax contributions and earnings generally count as taxable income.
- Roth 401(k): Qualified withdrawals are generally tax-free. For a typical retirement withdrawal, this means meeting the five-tax-year requirement and being at least age 59½.
There is no single withdrawal order that works for everyone. Your advisor would consider your spending needs, tax bracket, Social Security, Medicare premiums, required minimum distributions, and goals for your family.
For example, taking some traditional withdrawals during lower-income years may make sense. In another year, qualified Roth withdrawals might help cover a larger expense without adding taxable income. Sometimes a combination is appropriate.
Your CFP® professional would compare the options and coordinate with your CPA to recommend a strategy for your circumstances, with attention to taxes throughout retirement.
Learn more: Our tax planning approach
