Investment Advice

Custom Portfolio

We develop a portfolio of individual stocks and bonds for each client. Think of it as the difference between getting a bespoke suit and buying off the rack. A mass-produced garment might fit in the waist but be too tight in the shoulders; a piece of clothing tailored just for you fits you perfectly. 

We provide you with a custom portfolio perfectly tailored to your needs and financial goals by choosing the exact investment mix that will work best for you.

Passive Income Generation

Many of our clients want passive income to supplement their salaries or to provide income in retirement. We can craft an investment strategy that provides you with passive income. This strategy can give you more security in the future and allow you to preserve your principal as a legacy to your children.

Ongoing Investment Management 

Building wealth is an ongoing process. Gosho Financial Group offers savvy investment management services. We meet with you regularly to review your portfolio and make adjustments, so your investments continue to meet your financial goals.

Accessible Minimum Investment

Custom investment services like those offered by Gosho Financial Group are usually only available to high-net-worth individuals. We believe personalized investing shouldn’t be only for millionaires and billionaires. Our minimum investment is $500,000, and we are flexible when working with younger investors who want to get started building wealth early in life.

Personal Financial Services

We are the investment advisor you can call on a Sunday evening when there’s been a death in the family. We will work with you through career changes, relationship changes, health challenges—all the things that life throws at you. We understand and we’re here to help.

We start our work with each new client by getting to know you so we can base our investment advice on your goals. But connecting with our clients isn’t a one-time thing. We keep an open dialogue as we work together to help you achieve your financial goals at every stage of life.

Getting Started Building Wealth

Retirement and even buying a home can feel far in the future when you’re in your 20s or 30s, but the earlier you start saving, the more time your investments have to grow. For example, if you invest $100,000 today and conservatively estimate a 5% rate of return, your initial investment will grow to over $160,000 in just 10 years. After 20 years, your initial investment will have almost tripled to about $270,000. We can help you get a strong start.

Investment Advice for Your Peak Earning Years 
Whether you land your dream job with a generous salary and benefits or want to make the most of an IPO or stock compensation, investing during your peak earning years is crucial to your long-term financial security. At Gosho Financial Group, we manage your portfolio so you get the most benefit from your peak earning years.

Tax Planning

For many people, planning for retirement means putting money into a tax-deferred account, which merely pushes your tax worries into the future. We help determine the optimal timing to shift assets from tax-deferred accounts, so taxes won’t take a big bite out of your retirement income.

Retire with Confidence

As we live longer, it’s natural to have anxiety about outliving your savings. We provide personalized portfolios that continue to deliver returns throughout your well-deserved years of leisure. By planning for passive income, you can free yourself to travel or pursue other goals you never had time for while you were working. 

Gosho Financial Group provides fee-only financial planning by a Certified Financial Planner (CFP). This means we charge you for the time we spend creating your investment plan and managing your investments, instead of taking commissions, which can lead to a conflict of interest.  As a CFP, Carol Gosho has a fiduciary responsibility to choose investments that provide the greatest benefit for you. Financial advisors at brokerage firms are still employees of a brokerage firm. They are only required to meet the minimum “suitability” test for investment recommendations to clients. Fee-only investment planning coupled with in-depth financial planning provides the foundation for a lifelong roadmap to helping you reach your goals with after-tax income in retirement. 

Carol Gosho has been studying the market for more than 40 years, and her stock picks are based on the insights she has gained over a long career of helping clients grow wealth. Marjan Solemanieh brings a deep understanding of stock compensation and IPOs to Gosho Financial Group. Together, the Gosho team serves people of all ages with a broad spectrum of investment vehicles. 

Many Gosho Financial Group clients have worked with us for years and even decades. And our client list is intergenerational: adult children of our clients often come to us when they are ready to start investing. We are proud of the customer relationships and successful financial planning that have earned us loyalty over time and through younger generations.

At Gosho Financial Group, our insights go beyond spreadsheets and amortization tables. We don’t view our clients as numbers in a ledger or boxes to be checked.

We see ourselves as part of an interconnected world, and we choose investments based on our understanding of those connections—between individuals and across continents and oceans. We delve into the disparate parts of your life to develop an integrated, whole life portfolio that supports your aspirations and needs.

We are part of our community, giving back through volunteer service. We understand our clients’ life challenges because we have experienced many of them ourselves. So, we craft investment advice from the heart, from a place of profound knowledge, intuition, and compassion.  

That’s the Gosho Way.