Our Process & Services

Our Process



Conduct in-depth analysis to develop a plan that works toward your goals...

  • Discuss short- and long-term goals
  • Analyze past, present, and future considerations, including retirement, estate plans, investment portfolios, and insurance
  • Model your situation on the data gathered and develop a plan that accounts for estate distribution, cash flow, tax efficiencies, and more


Identify gaps in your plan and adjust accordingly...

  • Align objectives and risk tolerance, then craft plans with your situation at the forefront
  • Plan for the "what-ifs" in life and make sure we adapt to your evolving needs
  • Find creative solutions for you and your family


Make recommendations that are suitable for you, educate you on your options, and implement your plan..

  • Build a plan based on your personalized recommendations
  • Ensure that your plan addresses all your financial needs and covers gaps we have found through our analysis
  • Schedule ongoing reviews and make adjustments as circumstances change

Our Services

A Truly Consultative Approach

At Gulish & Associates, we specialize in comprehensive financial planning, investing, minimizing your tax exposure, corporate retirement planning, and insurance protection.


Financial Planning

Whether you’re decades from retirement or right on the cusp, we'll help you create a personalized roadmap that seeks to achieve your goals and desired retirement lifestyle.

Important considerations for building your financial plan:

  • Looking at assets, income, and expenses to determine how you will meet your goals
  • Exploring taxable, tax-deferred, and tax-free accounts
  • Analyzing your estate and the best method for passing assets on to your next generation
  • Addressing goals such as meeting education expenses for children or grandchildren, buying a new house, traveling, and more.

Estate Planning

Estate planning seeks to give you more control over your assets during life, and the distribution of your property at death. Proper planning can provide care when you are disabled, and allow for the transfer of wealth to whom you want, when you want, and at the lowest possible cost.

Our estate planning strategies include:

  • Reviewing wills, trusts, and powers of attorney
  • Monitoring and adjusting beneficiary designations
  • Reducing exposure to estate taxes and probate costs
  • Collaborating with accountants and attorneys to monitor your estate plan

Gulish & Associates, Inc. does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation.



Investments are only as good as their ability to keep up with your life and market changes. Not only will we direct you to investments that are appropriate for your situation, but we regularly meet to monitor your investments and make changes as necessary. This may include re-balancing your accounts, tax-loss harvesting, and performance reviews.


Corporate Retirement Planning

The Gulish & Associates team brings more than 40 years of combined corporate retirement plan knowledge to the table.

Services we provide:

  • Assisting in setting up and managing corporate retirement plans (401(k), 403(b), SIMPLE IRA, etc.)
  • Performing periodic benchmarking of fees, services, and investments
  • Recommending and monitoring investment options to make sure there is an appropriate mix that covers all asset classes
  • Hosting educational meetings for plan participants and providing education for plan fiduciaries
  • Delivering ongoing fiduciary support for plan operation

For business owners who have never set up a retirement plan, we help you understand your options and give you guidance to find the best fit. If you already have a retirement plan, we provide analysis to determine if you’ve outgrown your existing plan and should look at other options.



A key component of your overall plan is making sure you have appropriate insurance in place to protect your wealth from unexpected events. We will discuss the importance of life insurance, the pros and cons of long-term care insurance, and the potential benefits of disability insurance.

Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network®.