We're a fee-only firm. The only money we receive is the fee you pay us. We don't earn commissions, kickbacks, "trails," or payments from any product company. We have nothing to sell you, so our only job is helping you make the best decision for your family.

Yes, always. Gudorf Financial Group is an SEC-registered investment adviser, and we're legally required to put your interests ahead of our own in every recommendation. We also have CFP® professionals on staff. Even if the law didn't require it, it's how we'd run the firm anyway.

We use a disciplined, low-cost, passive approach. We don't try to guess next year's winners. We focus on what you can control: how much risk you take, keeping costs low, rebalancing, harvesting losses, and placing investments in the right accounts to lower your tax bill. Our tax team works under the same roof, so investment and tax decisions are made together.

Most likely, yes. We specialize in people who are retired or within about five years of it. Most of our clients would never call themselves "rich." They worked hard, saved diligently, and most have built a nest egg of $1 million to $10 million, not counting real estate. We meet with clients in person in Dayton and virtually across the country.

Expect one team that keeps your whole financial life working together. Our Multi-Client Family Office puts financial planners, tax preparers, and estate planning attorneys under one roof for one fee. We build your retirement income plan, tax plan, and investment strategy, then meet regularly to keep it current. We also prepare your tax return each year, so the plan and the return always match.

Our fee is a percentage of the assets we manage, billed monthly: 1.35% from $750,000 to $1 million, 1% from $1 million to $3 million, and 0.75% from $3 million to $5 million. Above $5 million, the fee is customized. Once you reach a new tier, your entire account gets the lower rate. Tax preparation is included.

Many retirees pay about 1% just for investment management, then pay separately for taxes and estate planning. For most of our clients, that same 1% also covers tax planning, tax preparation, retirement income planning, health insurance and long-term care planning, and ongoing estate plan maintenance through Gudorf Law Group's Legacy Club. New estate documents are a separate flat fee.

Yes. We manage your investments as part of your fee, and we never sell products or earn commissions. Your accounts stay in your name at Charles Schwab, an independent custodian. We never take possession of your money, and you can log in to Schwab to see your accounts anytime.

No. You can leave at any time, with no notice period and no termination fees. We'd rather keep you because we're adding value than because of a contract.

A team, not a single advisor. One of our financial planners will be your main point of contact. They work alongside our CFP® professionals, tax preparers, and estate planning attorneys, so every decision accounts for your investments, taxes, and estate plan together.

Yes. We meet in person with clients in the Dayton area and work virtually with clients across the country. You get the same team and the same service wherever you live.

No. You can look up our firm and every advisor on the SEC's free public database at adviserinfo.sec.gov.