Your Life Comes First
Live the life you want. With less stress.
We start by helping you understand what you want your money to make possible—and where you stand today.Then we help you organize your finances around that life, bringing planning, taxes, and investments together in a thoughtful, tax-efficient way. The goal is greater confidence in your decisions, less worry about your finances, and more freedom to focus on what matters to you.
If you would like help creating a clearer financial path toward the life you want to live, then let's...
How We Help
Where you are today. The life you want tomorrow.
A good financial plan starts with understanding two things: the life you want and where you stand today.We help you clarify what matters to you, understand your current financial position, and identify the choices and tradeoffs ahead. From there, we help organize the financial pieces around the life you want to live—with careful attention to taxes, investments, risk, cash flow, and the other decisions that affect the plan.Our work is structured through three related services.
Initial Financial Assessment and Plan Project
We begin by understanding your priorities and evaluating where you stand financially. We organize the important facts, identify the decisions in front of you, and provide a written financial plan with practical recommendations and a clear direction forward.The project can stand on its own. After it is complete, we can decide together whether an ongoing relationship makes sense.
Comprehensive Financial Planning
If you continue, planning becomes an ongoing relationship rather than a one-time exercise.As your life changes, we help keep the financial pieces aligned with it—addressing taxes, cash flow, financial independence and retirement, insurance and risk, estate considerations, employee benefits, business or career decisions, investments, and other issues as they become relevant.The objective is greater clarity and confidence over time, with fewer financial matters left to become unnecessary sources of worry.
Investment Management Services
If you maintain a Comprehensive Financial Planning relationship, we can also manage your investments in support of the plan.Your portfolio is structured around your goals, cash-flow needs, time horizon, risk, and tax circumstances. Investment management supports the life and financial plan—it does not define them.
For detailed information about our services, fees, and other important information, please see our Form ADV.
If you would like to explore how these services could help you create a clearer path toward the life you want to live, then let's...
Who We Serve
Different circumstances. Different priorities.
People come to Gosch Wealth Advisory with different backgrounds, circumstances, and ideas about what a good life looks like.You may be approaching financial independence, navigating a major transition, facing several connected financial decisions, or simply wondering whether your finances are organized as well as they could be for the life you want.We are likely to work well together if you value thoughtful advice, candid conversations, practical judgment, and an ongoing relationship in which both sides stay engaged.A strong advisory relationship is not defined by your title, profession, education, appearance, or someone else's definition of success. Mutual respect, trust, responsibility, and a willingness to think seriously about the choices ahead matter more.
If you would like greater clarity about your finances—and less need to worry about them, then let's...
About
Gosch Wealth Advisory
Gosch Wealth Advisory was founded around a simple idea: financial advice should help you use your resources to live the life you want with greater confidence and less stress.We provide thoughtful, relationship-driven advice with the technical depth to address complicated decisions and the discipline to keep the experience clear and practical.We are a fee-only, fiduciary advisory firm. We do not sell products or receive commissions. Our commitment is to you and your best interests.We seek to understand the broader picture, see how the pieces interact, and help you make decisions you can live with.
Joe Gosch, CFP®, CPA/PFS®, Founder
Joe Gosch founded Gosch Wealth Advisory in 2025 after more than 35 years of professional experience spanning tax, accounting, audit, consulting, technology, financial planning, investments, business ownership, and professional education.Joe is a Certified Public Accountant with the Personal Financial Specialist designation and is a CERTIFIED FINANCIAL PLANNER® professional. His background includes experience with the Internal Revenue Service, KPMG and PricewaterhouseCoopers, decades of independent professional practice, and five years teaching professionals preparing for CFP® certification.That breadth matters less as a list of credentials than for what it makes possible: seeing connections, asking better questions, explaining complicated issues clearly, and bringing informed judgment to important decisions.A native Texan who grew up on a Central Texas farm and ranch, Joe brings a practical, grounded perspective to the firm. The live oak and path in the GWA identity reflect that same character—strength, perspective, stability, and guidance for the road ahead.
If this sounds like the kind of advice and relationship you are looking for, then let's...
Contact
Let's Start a Conversation.
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Privacy Policy
Gosch Wealth Advisory LLC (“GWA”) recognizes that our relationships with current and prospective clients are based on integrity and trust. We respect your privacy and want you to understand what information we collect, how we use and disclose it, and how we protect it.Why We Collect Your Information
GWA gathers information about you so that we can:
● Provide the financial planning, investment advisory, and related services you request; and
● Comply with applicable legal, regulatory, professional, and recordkeeping obligations.What Information We Collect and Maintain
GWA may collect the following types of “nonpublic personal information” about you:
● Information you provide to us in meetings, applications, forms, electronic communications, or through our website, such as your name, contact information, social security number, date of birth, and financial information;
● Information we generate or obtain in connection with providing services to you, including information about your accounts, transactions, financial plans, and communications; and
● Information we receive from third parties in connection with the services we provide, such as custodians, financial institutions, service providers, or other persons you authorize.What Information We Disclose
GWA does not disclose nonpublic personal information about current or former clients to affiliates or nonaffiliated third parties except as permitted by law or with your consent. Depending on the services involved, permitted disclosures may be made to custodians and other financial service providers; technology, recordkeeping, archiving, cloud, communications, and other operational service providers; professionals or representatives you authorize; regulators, law enforcement, courts, or other parties when disclosure is required or permitted by law; and other parties you direct us to use.GWA does not share mobile phone numbers or SMS opt-in consent data with third parties or affiliates for marketing or promotional purposes. Information may be shared with service providers that assist us in providing messaging services, but text messaging originator opt-in data and consent will not be shared with third parties.GWA does not sell your nonpublic personal information or disclose it to nonaffiliated third parties for their own independent marketing purposes.How We Protect Your Personal Information
GWA restricts access to nonpublic personal information to persons and service providers who need the information to perform legitimate business functions. We maintain administrative, technical, and physical safeguards designed to protect information against unauthorized access, use, or disclosure. We also take reasonable steps to select and oversee service providers that receive or maintain nonpublic personal information on our behalf.Former Clients
After our relationship ends, we continue to protect and disclose your nonpublic personal information in accordance with this Privacy Policy and applicable law. We retain records for applicable required retention periods.Questions about this Privacy Policy may be directed to Gosch Wealth Advisory LLC at [email protected]Version Date: September 18, 2026
Disclosures
Information provided on this website is for general informational purposes only and does not constitute individualized investment, legal, tax, or accounting advice. Nothing on this website should be construed as a recommendation to buy or sell any security. An advisory relationship with Gosch Wealth Advisory LLC (“GWA”) is established only through an applicable written agreement.GWA provides advisory services only in jurisdictions where it is legally permitted to do so.Investment Management Services are available only to clients who maintain an active Comprehensive Financial Planning relationship.Investing involves risk, including the possible loss of principal. No financial plan, investment strategy, or investment result can be guaranteed.Tax-related planning provided by GWA is limited to tax planning within the scope of its advisory services and does not include tax-return preparation or filing, representation before taxing authorities, legal services, or attest services.This firm is not a CPA firm and its services are not regulated by the Texas State Board of Public Accountancy.Links to third-party websites are provided for informational purposes or convenience. Unless expressly stated otherwise, a link does not imply affiliation, sponsorship, or endorsement. GWA does not control and is not responsible for the content, privacy practices, or availability of third-party websites.Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.Additional information about Gosch Wealth Advisory LLC, its advisory services, fees, conflicts of interest, and business practices is available in its Form ADV.
Joe Gosch, CFP® professional
Joe has met CFP Board’s standards for education, examination, experience, and ethics.
Joe Gosch, CPA/PFS®
Joe’s CPA/PFS® credential combines CPA expertise with specialized personal financial planning knowledge.
Professional Memberships
AICPA Member
Joe is an active member of the American Institute of Certified Public Accountants.
TXCPA Member
Joe is a member of the Texas Society of Certified Public Accountants.
XY Planning Network
Joe is an XYPN member, connecting GWA to a professional network of independent, fee-only financial planners.
Financial Planning Association
Joe is a member of the Financial Planning Association's professional planning community.
Fee-Only
GWA is compensated solely by the fees you pay directly. We do not receive commissions or other sales-related compensation. Our revenue comes from the fees you pay for our services—not from selling financial products.
Fiduciary
As a fiduciary, GWA has a duty of utmost good faith to act solely in your best interests. We put your interests ahead of our own when providing advice and address conflicts appropriately. That duty is both legal and ethical—not merely a suitability standard.