From Firm to Family: Why Your Financial Plan Deserves a Team

At Gatewood Wealth Solutions, wealth management extends beyond mere numbers—it’s about relationships, trust, and commitment that span generations. Our distinctive Firm-to-Family model isn’t just a slogan; it’s the foundation of how we deliver lasting value across generations.

A Team Built Around You

Unlike traditional models where clients are tethered to a single advisor, Gatewood provides an integrated team of professionals, each with a specific role:

 

Expertise That Grows with You

Beyond the core Client Care Team, we have a team of specialists in investments, tax, business, and estate planning. These professionals collaborate behind the scenes to address the complexities that come with growing wealth.

Whether you’re navigating a liquidity event, transitioning into retirement, or preparing your estate plan, our in-house specialists at Gatewood team are already in place—ready to step in and support you. No matter your life stage or estate size, the right expertise is readily available.

This approach helps keep your financial strategy on track through life’s transitions and unexpected turns—so you can move forward with greater clarity and confidence.

 

Tailored Services for Every Stage

We recognize the uniqueness of each client’s financial landscape. Our Client Care Teams are structured to reflect your specific financial complexity:

 

By aligning our teams precisely with your financial circumstances, we ensure focused attention and optimal outcomes at every life stage.

The Firm-to-Family Advantage

Our Firm-to-Family approach means your relationship extends to the entire firm rather than depending solely on an individual advisor. This method provides:

 

How We Differ from Traditional Advisors

Many wealth management firms operate on a “book of business” or “my client” model, where clients rely exclusively on one advisor for their financial planning. The advisor may fly under the banner of a big national brand, but in reality, that advisor acts as a one-man band.

This traditional approach can create vulnerabilities, particularly if the advisor moves firms, retires, or experiences life changes. At Gatewood Wealth Solutions, we embrace an “our clients” culture, ensuring your relationship is with our entire firm. This commitment means you enjoy seamless continuity, collective expertise, and personalized attention from our dedicated team, free from the disruptions often associated with traditional, advisor-dependent models.

 

Real Stories, Lasting Impact

Clients frequently highlight the tangible benefits of our comprehensive approach:

“Our relationship with Gatewood Wealth Solutions has evolved over the years right along with our family. From building and protecting our wealth to retirement and estate planning, Gatewood has guided us and enabled our objectives. It’s reassuring to know skilled professionals we trust are working with us to optimize what we have worked for all our lives¹.” — Dr. Boyd C., Retired Corporate Executive

 

A Client Story: The Parkers’ Journey from Overwhelmed to Empowered

Before partnering with Gatewood, the Parker family—two busy professionals with three children and aging parents—felt stretched thin. Despite solid earnings, they were unsure how to balance college savings, retirement planning, elder care responsibilities, and managing their growing portfolio. Their previous advisor provided only occasional updates and general guidance, leaving them uncertain and reactive.

After engaging Gatewood Wealth Solutions, everything changed. They were introduced to their dedicated Client Care Team, including a Wealth Advisor who listened closely to their goals, a Wealth Planner who developed a dynamic, goal-driven plan, and a Wealth Coordinator who ensured nothing slipped through the cracks.

Behind the scenes, Gatewood’s investment, tax, and estate planning specialists collaborated to build a coordinated strategy. The Parkers refinanced underperforming real estate assets, implemented a multigenerational gifting strategy, optimized their retirement drawdown plan, and established an education trust for their children.

Today, the Parkers say they finally feel in control. They’re no longer juggling disconnected advice—they have a proactive team that meets with them regularly, answers questions before they even arise, and helps them make confident decisions.

 

Ready to Experience the Gatewood Difference?

If you seek a wealth management relationship built on enduring trust, tailored strategies, and a dedicated team focused on your family’s lasting financial success, we’re ready to start the conversation.

 

 


Important Disclosures:

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

¹ This statement is a testimonial by a client of the financial professional as of 11/13/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

There is no guarantee a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation do not protect against market risk.

The information provided here is general in nature. It is not intended, nor should it be construed, as legal or tax advice.  To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.

 

Expertise That Grows with You

Beyond the core Client Care Team, we have a team of specialists in investments, tax, business, and estate planning. These professionals collaborate behind the scenes to address the complexities that come with growing wealth.

Whether you’re navigating a liquidity event, transitioning into retirement, or preparing your estate plan, our in-house specialists at Gatewood team are already in place—ready to step in and support you. No matter your life stage or estate size, the right expertise is readily available.

This approach helps keep your financial strategy on track through life’s transitions and unexpected turns—so you can move forward with greater clarity and confidence.

 

Tailored Services for Every Stage

We recognize the uniqueness of each client’s financial landscape. Our Client Care Teams are structured to reflect your specific financial complexity:

 

By aligning our teams precisely with your financial circumstances, we ensure focused attention and optimal outcomes at every life stage.

The Firm-to-Family Advantage

Our Firm-to-Family approach means your relationship extends to the entire firm rather than depending solely on an individual advisor. This method provides:

 

How We Differ from Traditional Advisors

Many wealth management firms operate on a “book of business” or “my client” model, where clients rely exclusively on one advisor for their financial planning. The advisor may fly under the banner of a big national brand, but in reality, that advisor acts as a one-man band.

This traditional approach can create vulnerabilities, particularly if the advisor moves firms, retires, or experiences life changes. At Gatewood Wealth Solutions, we embrace an “our clients” culture, ensuring your relationship is with our entire firm. This commitment means you enjoy seamless continuity, collective expertise, and personalized attention from our dedicated team, free from the disruptions often associated with traditional, advisor-dependent models.

 

Real Stories, Lasting Impact

Clients frequently highlight the tangible benefits of our comprehensive approach:

“Our relationship with Gatewood Wealth Solutions has evolved over the years right along with our family. From building and protecting our wealth to retirement and estate planning, Gatewood has guided us and enabled our objectives. It’s reassuring to know skilled professionals we trust are working with us to optimize what we have worked for all our lives¹.” — Dr. Boyd C., Retired Corporate Executive

 

A Client Story: The Parkers’ Journey from Overwhelmed to Empowered

Before partnering with Gatewood, the Parker family—two busy professionals with three children and aging parents—felt stretched thin. Despite solid earnings, they were unsure how to balance college savings, retirement planning, elder care responsibilities, and managing their growing portfolio. Their previous advisor provided only occasional updates and general guidance, leaving them uncertain and reactive.

After engaging Gatewood Wealth Solutions, everything changed. They were introduced to their dedicated Client Care Team, including a Wealth Advisor who listened closely to their goals, a Wealth Planner who developed a dynamic, goal-driven plan, and a Wealth Coordinator who ensured nothing slipped through the cracks.

Behind the scenes, Gatewood’s investment, tax, and estate planning specialists collaborated to build a coordinated strategy. The Parkers refinanced underperforming real estate assets, implemented a multigenerational gifting strategy, optimized their retirement drawdown plan, and established an education trust for their children.

Today, the Parkers say they finally feel in control. They’re no longer juggling disconnected advice—they have a proactive team that meets with them regularly, answers questions before they even arise, and helps them make confident decisions.

 

Ready to Experience the Gatewood Difference?

If you seek a wealth management relationship built on enduring trust, tailored strategies, and a dedicated team focused on your family’s lasting financial success, we’re ready to start the conversation.

 

 


Important Disclosures:

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

¹ This statement is a testimonial by a client of the financial professional as of 11/13/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

There is no guarantee a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation do not protect against market risk.

The information provided here is general in nature. It is not intended, nor should it be construed, as legal or tax advice.  To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.

What Happens in Your House Is More Important Than the White House

Tariffs. Tax policy. Trump.

Turn on the news and you’ll be flooded with political noise—but let’s cut through the clutter:

What matters most to your family’s financial future isn’t in Washington, D.C.—it’s within your own four walls.

At Gatewood, we help families shift their focus away from the headlines they can’t control and toward the household habits they can. While income tends to steal the spotlight, spending is the real unsung hero of long-term financial independence. Most financial advisors avoid talking about spending—it can feel too personal, too awkward. They fear upsetting clients by confronting sensitive realities. But not us. We believe in honest conversations because financial discipline today lays the foundation for your family’s future freedom.

Understanding the Budgeting Landscape

Clients often ask us: “How much should I spend on housing?” or “Am I saving enough?”

To help answer these, here’s a comparison of how three well-known frameworks—Dave Ramsey, the CFP Board, and CFA-informed guidance—stack up:

Category Dave Ramsey CFP Board CFA-Informed
🏠 Housing & Utilities 25% ≤ 28% 25–30%
🚗 Transportation 10–15% ≤ 15% 10–15%
🍽️ Food & Groceries 10–15% 10–15% 10–15%
⚕️ Health Care 5–10% 5–10% 5–10%
🎓 Education & Childcare 5–10% 5–10% 5–10%
💳 Consumer Debt 0% ≤ 10% ≤ 10%
💰 Total Debt (incl. housing) ≤ 35–40% ≤ 36% ≤ 36–40%
🎭 Entertainment & Personal 5–10% 5–10% 5–10%
🛠️ Miscellaneous Included in personal 5–10% 5–10%
🛡️ Savings, Insurance, and Investments 10–15%+ 10–20% ≥ 15–20%
💝 Giving & Charity 10% recommended 5–10% (flexible) 5–10% (flexible)

 

Key Differences:

The Gatewood Family Budgeting Guidelines

At Gatewood, we synthesized the best of all approaches and added real-life insight. Here’s our proprietary guide we call The Gatewood Family Budgeting Guidelines:

Category Gatewood Target (±5%)
🏠 Housing & Utilities 25%
🚗 Transportation 10%
🍽️ Food & Groceries 10%
⚕️ Health Care 7.5%
🎓 Education & Childcare 7.5%
💳 Consumer Debt 0% (yes, zero!)
💰 Total Debt (incl. housing) 25%
🎭 Entertainment & Personal 5%
🛠️ Miscellaneous 5%
🛡️ Savings, Insurance, and Investments 20% (go for more!)
💝 Giving & Charity 10%

A Look Inside Our Home: My Family’s Budget Case Study

We don’t just preach these principles—we live them. Here’s a transparent look at how my family’s real monthly spending lines up with our own guidelines (below). These figures are after our 401(k) and HSA contributions are maximized. As you will see, the Goeddel family is far from perfect! I hope sharing this information and being vulnerable is helpful to you and your family.

Category Gatewood Guidelines (%) Actual Family Spending ($) Actual Family Spending % Notes
🏠 Housing & Utilities 25% $8,400 34% $7,000 mortgage plus extra principal payments; $1,400 bills & utilities
🚗 Transportation 10% $500 2% Just gas—no car payments
🍽️ Food & Groceries 10% $3,300 13% $2,500 groceries, $600 dining out or delivery, $200 coffee
⚕️ Health Care 7.5% $500 2% Out-of-pocket medical
🎓 Education & Childcare 7.5% $2,000 8% 529 Plan contributions for two kids
💳 Consumer Debt 0% $0 0% None!
💰 Total Debt 25% $7,000 28% Mortgage
🎭 Entertainment & Personal 5% $3,400 14% Amazon, clothes, date nights, personal care, pets
🛠️ Miscellaneous 5% $1,500 6% Unplanned monthly expenses
🛡️ Savings, Insurance, and Investments 20% $3,000 12% Trust contributions + full insurance suite
💝 Giving & Charity 10% $2,400 10% Charitable giving + gifts to family/friends

A Few Highlights

Where We’re Winning

 

Where We’re Improving

 

Take Control of Your Financial Future

Financial freedom isn’t found in the headlines—it’s built through intentional habits, month after month. At Gatewood, we help families match their money with their values—so they can create meaningful wealth and lasting legacies.

Ready to align your budget with your future? Let’s talk. We’re here to help.


Important Disclosures:

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Investing involves risk including loss of principal. No strategy assures success or protects against loss.

Dave Ramsey is not affiliated with or endorsed by LPL Financial and Gatewood.

 

 

Fortress Gatewood: Bear Market Ready, Always. 

When markets drop sharply—like they did in response to the latest Trump tariff announcements—emotions run high, headlines swirl, and investors often make costly decisions. We get it. Downturns feel uncomfortable, especially when they’re fast, steep, or prolonged. 

But here’s what we know from decades of managing wealth through every kind of market cycle: the worst days in the market are often immediately followed by the best. Panic may feel natural—but it’s rarely profitable. 

At Gatewood Wealth Solutions, we don’t just react to volatility. We prepare for it. That’s why every client benefits from our time-tested approach we call Fortress Gatewood—a strategy purpose-built to keep you Bear Market Ready. 

FREE CONTENT DOWNLOAD The Gatewood Fortress A Resilient Approach to Market Volatility  

 

 

 

 

A Strategy Built for Uncertainty 

Rather than try to predict the unpredictable, Fortress Gatewood is designed to weather storms, seize opportunities, and help you avoid panic-driven mistakes. It’s not just a mindset—it’s a structured plan built around time segmentation that gives each dollar a purpose and timeline: 

 

Moat Ring 1: Cash (Immediate Preservation) 

We recommend clients hold at least 2 years of spending in cash or cash alternatives. This liquidity buffer is your first line of defense—so you don’t have to sell investments during a downturn just to fund your life. 

Moat Ring 2: Fixed Income (Mid-Term Stability) 

We allocate 5–8 years of spending in high-quality fixed income. Bonds act as a second moat, with a goal of offering stability and income while giving your equities the time they need to rebound. 


Moat Ring 3: Equities (Long-Term Growth) 

The rest of your portfolio is positioned for growth, invested in globally diversified equities with a 7–10 year time horizon. This long view helps you stay focused on your goals—not the day-to-day headlines. 

Why This Works—Even in the Worst of Times 

Here’s what history tells us about market declines and recoveries: 

 

With 2 years of cash and 5–8 years of bonds, our clients don’t need to tap into their equity investments during downturns. That means they can remain confidently invested—giving their portfolios the opportunity needed for recovery and growth potential.

 

Why It Matters Now 

In times like this, when fear creeps in and markets swing wildly on breaking headlines (even false ones), our clients know they’re not at the mercy of the market. They have a strategy, a plan, and a team. Rather than letting complacency take root during the good times at all-time market highs, they set aside profits to strengthen their defenses.  

They’re not guessing. They’re prepared.  

 

The Gatewood Difference 

While others try to time the market or soothe with empty platitudes, we provide clarity, structure, and a strategy built with a goal to endure. Fortress Gatewood helps you weather volatility, stay aligned with your long-term goals, and build lasting wealth with confidence. 

Because we believe your financial future deserves more than just hope—it deserves a fortress. 

Important Clarification on Life Stage Strategy

Fortress Gatewood strategy is built around aligning your portfolio with your personal time horizon, income needs, and life stage. While the 2 years of cash and 5–8 years of bonds approach is ideal for clients in or near retirement—who are actively drawing from their portfolio—it’s not a one-size-fits-all model.

For younger clients who are still in their earning and accumulation years, we typically recommend a higher allocation to equities and lower levels of cash and bonds, since their income covers current expenses and their investment time horizon is longer. That said, maintaining strategic cash reserves (typically 3–6 months of living expenses) is still critical for emergencies and flexibility.

The core principle remains: structure your portfolio so you don’t need to sell during a downturn. Whether you’re accumulating or withdrawing, Fortress Gatewood adapts to give you confidence and preservation—tailored to your life stage.

 

Ready to Build Your Financial Fortress? 

If you’re tired of reacting to markets and ready to plan with purpose, let’s talk. Our team can help you build a resilient strategy—one that’s designed with a goal to keep you confidently invested through whatever the future holds. 

Contact us today to see how Fortress Gatewood can support your goals, your confidence in the long-term, and your family’s financial future.

Simple Wealth, Inevitable Wealth: Nick Murray’s Timeless Principles of Portfolio Construction

When it comes to investing, simplicity and discipline often outperform complexity and constant tinkering. Few voices in financial planning have championed this notion more effectively than Nick Murray, one of the most respected minds in wealth management. His philosophy centers on long-term equity investing, behavioral discipline, and the idea that financial advisors are coaches, not market forecasters.

At Gatewood, we embrace many of these foundational principles while adding our own personalized approach to support our clients’ goals in building enduring wealth aligned with their values and purpose.

Nick Murray’s Core Principles of the “Ideal Portfolio”

  1. Equities Are the Best Path to Long-Term Wealth
    Murray firmly believes that stocks are the only reliable way to outpace inflation and generate real wealth over time. While cash and bonds may offer short-term stability, their purchasing power erodes in the long run. A well-constructed equity portfolio, in contrast, provides access to the enduring growth of businesses and economies across the globe.

 

  1. Diversification Reduces Risk
    Although equities are central to a strong portfolio, diversification across industries, geographies, and asset classes helps buffer against sudden market shocks. The goal? Avoid letting any single event or sector derail your long-term plan.
  2. Bonds Have a Role—But a Limited One
    According to Murray, a traditional 60/40 “balanced” portfolio is not optimal for long-term investors. Bonds, he argues, primarily serve as a psychological cushion. For those with a lengthy time horizon, over-allocating to bonds can actually increase the risk of running out of money in retirement. The risk of a loss of purchasing power is often much greater than the risk of short-term market volatility.
  3. Investor Behavior Matters More Than Portfolio Construction
    Even the best-designed portfolio can fail if an investor succumbs to panic. Murray emphasizes that market volatility is not the true enemy—emotional decisions are. Remaining invested through bear markets is the key to compounding wealth.
  4. No Market Timing—Ever
    Attempting to forecast short-term market movements is a fool’s errand, says Murray. Rather than chasing trends or reacting to market noise, investors should rely on a disciplined, repeatable process that keeps them invested for the long haul.
  5. Retirees Need a High Allocation to Equities
    One of Murray’s more controversial stances is that retirees should still hold significant equity exposure. Why? Because the greatest threat in retirement is inflation. If a retiree’s portfolio does not grow over time, their purchasing power diminishes—often severely—in the later stages of retirement.

How Gatewood Builds On Murray’s Principles

  1. Purpose-Driven Investing
    Wealth is personal. Every portfolio we construct at Gatewood aligns with our clients’ values, goals, and long-term vision. Rather than defaulting to cookie-cutter strategies, we develop personalized allocations for business owners, high-net-worth families, and individuals navigating complex financial scenarios. Your portfolio aligns with your overall financial plan and your personal preferences.
  2. A Systematic, Process-Driven Approach
    We take the behavioral aspect of investing seriously. While discipline is crucial, relying on willpower alone is risky. Instead, we employ a structured, repeatable process that helps clients avoid emotional pitfalls—particularly during turbulent markets.
  3. Enhancing Diversification With Alternative Strategies
    Equities remain the core of our portfolios, but we also incorporate alternative investments and tax-optimized strategies to help mitigate risk and enhance long-term returns. This added layer of diversification complements Murray’s model while adapting it to today’s investment landscape.
  4. Planning for the Transition to Retirement
    Rather than defaulting to a blanket recommendation for high equity exposure, we craft personalized withdrawal strategies that consider your income needs, tax exposure, and continued growth potential. A well-constructed equity portfolio provides access to the enduring growth of businesses and economies across the globe.
  5. Data-Driven Risk Management
    Discipline matters, but data does too. We use real-time financial modeling and stress testing to keep our clients prepared for the unexpected. This helps keep both your portfolio—and your peace of mind—intact, even in worst-case scenarios.

 

The Bottom Line: Principles + Process = Success

Nick Murray’s philosophy offers a timeless foundation for building long-term wealth. However, execution matters as much as the theoretical framework. At Gatewood, we pair Murray’s principles with our own strategic process—one designed to guide you through market ups and downs with confidence.

Long-term investing is simple, but that doesn’t mean it’s easy. If you’re looking for a financial partner who blends the discipline of a seasoned advisor with the personalization that real families and businesses need, we’d love to help. Let’s develop a plan that aligns with your purpose, your goals, and your future.

 

Ready to Take the Next Step?

If you’re ready to explore how these principles can translate into real-life wealth strategies for you or your business, schedule a conversation with Gatewood today. We’re here to help you build, protect, and maximize your wealth—so you can focus on living the life you’ve envisioned.

Schedule a Meeting

 

 


Important Disclosures:

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

Investing involves risk including loss of principal.  No strategy assures success or protects against loss.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Government bonds and Treasury bills are guaranteed by the US government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value

Bonds are subject to credit, market, and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price

Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.

Why Gatewood? Our True Differentiators

At Gatewood, we’ve spent decades crafting an experience so personal and comprehensive that it can’t be easily copied. We believe in a Firm-to-Family model where relationships span generations, backed by in-house investment management, industry-leading technology, and a genuine commitment to excellence and independence. Below, I’ll break down exactly how we stand apart—and why so many families value our insight into their long-term financial well-being.

Competitor Comparison – What Sets Us Apart

 

Feature Gatewood Typical Advisory Services Firm
Client Ownership Firm-to-Family Model (Clients belong to the firm) Advisor-Owned (Each advisor runs their own book)
Investment Management In-House Mostly Outsourced
Cash Management Real-Time Dynamic Planning Static One-Time Planning
Technology Spend Industry-Leading Minimal Investment
Advisor Age & Continuity Multigenerational Team Advisors Nearing Retirement
Market Risk Management Cash Buffers, Profit-Taking “Stay the Course” Approach
Product Sales No Proprietary Products Often Push Own Products
Firm Independence No Private Equity Many Firms Sell to PE

 1. One Firm, One Family – Firm-to-Family vs. Advisor-to-Client

“Most firms operate under an advisor-to-client model, where your financial success hinges on one individual. If that person retires or leaves, you’re often left starting over. We do it differently.” – John Gatewood, CFP®, CLU®, Founder & Director of Advisor Development

 

True Client Ownership by the Firm

Unlike many firms, we don’t function as a set of individual advisors, each claiming their own “book of business.” Every Gatewood client is a client of the entire firm, ensuring smoother transitions and consistent care.

Dedicated Client Care Team

Instead of chasing a single busy advisor, each Gatewood family works with a specialized Client Care Team, including:

 

Consistent Policies & Seamless Transition

This firm-wide approach standardizes the client experience. If one of your advisors steps away, the rest of the team knows you and your family intimately, ensuring continuity and confidence.

Why competitors struggle to replicate this:

They often operate under big umbrella brands, with disparate advisors who follow different strategies. Shifting to a uniform Firm-to-Family model requires a massive cultural overhaul—no easy feat.

2. In-House Investment Management – No Outsourcing, No Middlemen, No Conflicts

“We don’t outsource your portfolio to an external manager. Our Investment Committee makes decisions internally—so you can talk directly to the people managing your money.” – Christopher Arends, CFA®, CMT®, CAIA® , Chief Investment Officer

Proprietary Strategies

At Gatewood, all investment strategies are managed in-house, backed by a blend of technical analysis, quantitative trends, and daily research. We can trim profits when markets peak, maintain strategic cash reserves, and adapt quickly to shifts—all with your goals in mind.

Direct Access to Decision-Makers

Many firms separate the client from the people who actually pick stocks or structure portfolios. Not here. You have direct access to our Investment Committee to better understand the rationale behind each investment decision. This is your money, not ours. You deserve to deeply understand how we are acting on your behalf.

Why competitors can’t do this:

Either they outsource to third-party managers, or they lean on a centralized, far-off department. Both limit flexibility and create barriers to true personalization. Oftentimes, this comes with conflicts of interest and entangling relationships with fund companies. We believe keeping everything in house is essential to acting as a true fiduciary for the families and businesses we serve.

3. The Cash Hub Account & Dynamic Financial Planning – Smarter Retirement Income

“One of the biggest financial mistakes people make is selling in a downturn. Our Cash Hub approach helps you avoid that trap.” – Christina Shockley, JD, CFP®, Partner & Chief Planning Officer

Strategic Cash Reserves

We generally recommend holding 6 to 30 months’ worth of expenses—depending on one’s life stage and market conditions—to avoid forced selling during downturns. This “Cash Hub” strategy is the backbone of our planning process. Our Investment Committee sets policy for our entire firm quarterly to ensure we are consistently preparing for market downturns.

Dynamic Adjustments

We don’t set it and forget it. Life changes constantly, so our team adjusts your cash reserves in real time. Whether you’re buying a home, funding college tuition, or facing unforeseen events, we integrate new information into your plan continuously.

Why competitors can’t do this:

Some advisors push clients to invest every spare dollar (that’s how they earn fees) and rely on lines of credit for liquidity. Others do static, one-time plans that never get updated. Without ongoing, interactive planning, maintaining an optimal cash buffer is nearly impossible leaving many families unprotected for the next bear market.

4. Industry-Leading Technology Investment – A Major Barrier to Entry

“Our tech stack synchronizes planning, trading, and operations in real-time. That means no detail falls through the cracks.” – Clayton Feldman, CFA®. Director of Operations

Accountability & Transparency

Our clients can see their investment performance (net of fees), benchmarks, and fees in the Gatewood app. This should be the industry standard, but most advisors hide from this basic accountability. We believe transparency builds trust and our clients deserve to have this critical information at their fingertips.

Advanced Client Portal & Tech Stack

We offer full transparency, including after-fee performance reporting, trading activity, and tax impacts. Because our system integrates with your financial plan continuously, you see real-time progress rather than an annual snapshot.

Real-Time Adjustments

You can explore life changes—like buying a second home or altering retirement timelines—and instantly see how each decision affects your broader plan, thanks to our integrated technology.

Why competitors can’t do this:

High-level tech requires substantial investment in software, training, talent, and maintenance. Many firms see technology as a cost to cut, rather than an engine for delivering dynamic planning. We ensure our advisors and clients have robust tools, especially relating to AI capabilities.

5. Multigenerational Team – Long-Term Advisor Continuity

“With advisors ranging from seasoned specialists to new talent, we’re building a legacy of leadership that can serve you and your children for decades.” –Aaron Tuttle, CFA®, CFP®, CLU®, ChFC®, Chief Executive Officer & Partner

Future-Proofing Your Relationship

The average advisor in the U.S. is close to retirement age¹. At Gatewood, we actively recruit and develop younger advisors to ensure someone will always be here for your family’s long-term needs.

Mentorship & Development

From day one, our new advisors learn the ins and outs of our Firm-to-Family philosophy. By the time they’re leading relationships, they already know your family’s preferences and history.

Why competitors can’t do this:

Many haven’t invested in a robust talent and training pipeline. They rely on quick hires instead of cultivating advisors who fully understand their firm’s vision—or your family’s story. Our Advisor Career Path is both thorough and forward-thinking, allowing us to recruit and retain the best in the industry to serve our clientele.

6. Behavioral Economics & Bear Market Readiness – More Than Just “Stay the Course”

“It’s human nature to want to sell when things look grim. We’ve built structural guardrails—like cash buffers—to help clients stay disciplined.” –Brian McGeehon, MAcc, CFA®, CLU®. Partner & Chief Financial Officer

Equity-Focused, Cash-Backed Philosophy

We draw on insights from top financial minds and real-world experience, emphasizing equities for long-term growth potential while strategically using cash to avoid panic selling when markets dip.

Proactive vs. Reactive

Saying “ride it out” is easy, but many firms stop there. We don’t just talk about discipline; we support it with a systematic rebalancing process, profit-trimming, and well-maintained cash reserves.

Why competitors can’t do this:

They often default to cookie-cutter allocations (like 60/40 portfolios) that can lag in both bear and bull markets. Some may mention ‘behavioral coaching,’ but without tangible processes in place, it’s often an empty promise and certainly not a practice.

7. Process-Driven, Not Product-Driven – A True Fiduciary Model

“We don’t sell proprietary funds or push insurance products. We’re consultants, not product distributors.” – Jared Freese, CFP®, CLU®, CEPA, ChFC®, Wealth Advisor Manager

No Conflicts of Interest

Our compensation is straightforward advisory fees—nothing else. We’re not incentivized to push certain funds or policies. Every decision aims to benefit you, not boost a hidden commission. We publicly share our fee schedule.

Goals-Based Planning

We use a goals-based planning framework (more commonly known by our clients as the “Three Buckets”) to categorize assets by personal risk, market risk, and aspirational risk. That way, every dollar works toward a purpose aligned with your unique goals and comfort zone.

Why competitors can’t do this:

Even some “fiduciary” firms still earn commissions from certain products, like annuities. Embracing a purely process-driven model means giving up those additional revenue streams, which many traditional firms find hard to do. Our industry is full of firms claiming a fiduciary status, yet the main goal is pushing product. Doing the right thing is an easy differentiator, which we wish was not the case.

8. Commitment to Long-Term Independence – No Private Equity Sellout

“We’re structured to last for generations. Our focus on independence means client interests always come first.” –John Gatewood, CFP®, CLU®, Founder & Director of Advisor Development

Designed for Decades

We have no plans to sell Gatewood to private equity—now or in the future. Our ownership framework ensures consistent leadership and philosophy, so the values you trust today remain in place for the long haul. Our firm is owned privately by the following people:

 

Client Interests First

Without external investors pushing for higher margins, we can concentrate on what truly matters—your confidence, your growth, and your legacy. As private equity invades the wealth management space, we will maintain our independence.

Why competitors can’t do this?

Private equity buyouts are common in wealth management as most retiring advisors have not built a team and succession plan internally. After an acquisition, decisions often become bottom-line-driven rather than client-centric. Once independence is sold, it’s nearly impossible to get it back.

The Gatewood Difference

Our structural, philosophical, and process-driven edge permeates every facet of Gatewood—from the first conversation we have to the way we nurture relationships with your children and grandchildren. It’s not just a marketing pitch; it’s a profoundly ingrained mode of operation designed with the goal to safeguard and grow your wealth.

 

Ready to Experience a Different Kind of Wealth Management?

At Gatewood, we manage more than money—we build relationships that stand the test of market cycles and generational shifts. If you want consistent, sophisticated guidance free from hidden agendas, we’re here to help.

Let’s talk about your goals and how our Firm-to-Family model can help you pursue them—today and for decades to come.

 

 


Important Disclosures:

¹Source: https://www.advisorsmagazine.com/trending/23521-aging-advisor-workforce-highlights-need-for-succession-plans

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss. (28-LPL)

Asset allocation does not ensure a profit or protect against a loss. (34-LPL)

The Gatewood Planning Foundation: Why It Matters for Your Investment Strategy

The CFA® Designation – A Hallmark of Excellence

Are you familiar with the CFA® designation?

The Chartered Financial Analyst (CFA®) designation is considered the gold standard in the field of investment analysis and portfolio management. It is globally recognized and given by the CFA Institute, validating an individual’s competence and integrity in investment management. It signifies a rigorous course of study and a commitment to the highest ethical standards.

At Gatewood Wealth Solutions, our team includes CFA® credentialed investment professionals bring expertise and credibility to our clients’ investment strategies.

Not All Strategies are Created Equally

In the realm of financial advisory services, not all strategies are created equal. While many advisors opt to delegate investment management to outside money managers or rely on predetermined strategies within their firms, others take a more passive approach by simply allocating funds to passive or index funds and ETFs, often without active portfolio management tailored to the individual’s total asset mix and risk profile.

At Gatewood Wealth Solutions, we take a different approach. We use the CFA® Goals Based Planning Methodology for Portfolio Management in which a client’s assets are first categorized into three different buckets based upon the type of risk they face.
This approach allows us to provide personalized investment strategies that align with our clients’ needs and aspirations, rather than adopting a one-size-fits-all approach.

Let’s break down each bucket:

The Personal Risk Bucket

Purpose:

The first bucket is for low risk liquidity. It helps us make sure we have enough cash so we can weather any economic storm. We typically recommend 6-30 months of cash depending upon one’s life stage. This bucket is designed to cover essential needs and core lifestyle expenses. It’s the foundational component of one’s wealth and aims to ensure that even in adverse market conditions, an individual or family can maintain a basic standard of living without having to liquidate assets at the wrong time.

Asset Types:

Typically, this bucket includes assets with low volatility and risk: cash, high-quality short- to intermediate-term bonds, fixed annuities, and other conservative assets. It also includes one’s primary residence.

Risk Profile:

The focus here is on preservation of principal and liquidity, so assets in this bucket generally have minimal exposure to market downturns. The expected return of these assets is below inflation.

The Market Risk Bucket

Purpose:

The market risk bucket is essentially your “core retirement bucket”. It’s the net present value of all the cash you’ll need in retirement. The goal is not preservation of principal, but preservation of purchasing power. Inflation is best hedged with a diversified investment portfolio. The goal for this bucket is meant for generating returns that will outpace inflation and grow wealth over time.

Our aim with this bucket is to keep up with the benchmarks rather than try to drastically outperform the market. This way, as families navigate their way through retirement, education, and other life goals, their capital account can keep up with the growth of these expenses. It addresses the need for long-term financial security beyond just the essential needs covered in the personal risk bucket.

Asset Types:

This bucket contains a diversified mix of assets that include equities, longer-term bonds, mutual funds, ETFs, and other traditional investment vehicles.

Risk Profile:

This bucket has a moderate to high risk, with the understanding that market fluctuations can impact its value in the short to medium term. However, over longer periods, it’s expected to provide positive real returns. The expected return is above inflation.

The Aspirational Risk Bucket

Purpose:

Anything in excess of the first two buckets we consider aspirational. This is the “swing for the fences” bucket. The goal is to achieve substantial or outsized returns that greatly exceed the market and can move the individual up the wealth spectrum. However, it should be money that an individual can afford to lose without affecting their basic standard of living or long-term financial security.

Asset Types:

These are illiquid assets like a business or real estate, or concentrated assets like a single stock or equity compensation. It also includes high-risk, high-reward investments like startups, speculative stocks, and hedge funds.

Risk Profile:

This bucket is high risk, and there’s a significant chance of loss. The expected return is to greatly exceed the market and inflation.

Putting It All Together

What is our ultimate strategy with these buckets when helping clients pursue financial independence?

  • We first want clients to enter retirement with no debt, their homes fully paid for, and enough cash in their personal risk bucket to weather any economic storm and insulate their portfolios from being liquidated at the wrong time.

  • Next, we want their market risk bucket fully funded with the net present value of all their future cash needs in retirement invested in a diversified portfolio that when stress-tested they have a 90% or better chance of never running out of money.

  • Anything in excess of this bucket can be invested for legacy planning or a cause that is important to them.

It is important to remember that “wealth is made through concentration but preserved through diversification”.

Conclusion

The beauty of this approach is in its intuitive separation of assets based on their purpose and risk. By allocating wealth across these three buckets, individuals can ensure they’re covered for basic needs, have a strategy for long-term growth, and can pursue high-reward opportunities without jeopardizing their fundamental financial security.

FREE CONTENT DOWNLOAD Understanding The Three Bucket Strategy eBook A Strategic Guide to Building Enduring Wealth  

GWS Planning Services – Where Your Financial Dreams Become Our Mission

At Gatewood Wealth Solutions (GWS), we understand that financial planning is more than just numbers on a page; it’s the roadmap to your dreams, security, and legacy. It’s about the confidence that comes from knowing you’re prepared for the future, the excitement of seeing your goals within reach, and the comfort of knowing you’re not alone in this journey.

 

At Gatewood Wealth Solutions, we are committed to providing you with the highest level of personalized financial planning services. We believe in building a secure financial future for every client, no matter the size of your investment with us.

 

Why Our Planning is Invaluable:

 

Embarking on the path to financial freedom can be daunting, but with GWS, you’re not just getting a service; you’re gaining a partnership that cherishes your aspirations as much as you do. We charge a planning fee for accounts under $500,000 because the depth and breadth of our work necessitate it. This fee enables us to dedicate the necessary resources to craft a financial plan as unique as you are, ensuring we can operate at the highest standards of service and expertise. We invest in your future so that you can enjoy the present, secure in the knowledge that every aspect of your financial well-being is being meticulously managed.

 

Our commitment is to provide you with a personalized financial plan that includes retirement planning, insurance management, investment strategy, cash flow optimization, tax efficiency planning, estate planning, education funding, and debt management. These comprehensive services are designed to bring you closer to your financial goals, no matter the complexity of your needs.

 

Client Stories of Success:

 

Gatewood Wealth Solutions was founded in 1981, and since then, we have had the privilege of witnessing numerous success stories by being a steadfast guide and support for our clients during pivotal life events. We have navigated them through both challenging and prosperous times, tackled complexities, simplified matters, and stood by their side during moments of adversity and satisfaction.

 

Please click the link below to see profiles of clients we have served:

 

Who We Serve

 

Investing in Your Financial Success:

 

Our fee structure is designed to reflect the value and expertise we bring to your financial life, especially for clients with account balances under $500,000. We have implemented a financial planning fee which is composed of a $3,000 upfront fee and a $1,500 annual fee for accounts below $200,000, and a $3,000 upfront one-time fee for accounts between $200,001 and $500,000.

 

Here are the key reasons why this fee model is beneficial for you:

 

Comprehensive Planning: We undertake an in-depth analysis of your financial situation, including retirement planning, investment management, and more, to create a plan that is as unique as your fingerprint.

 

Breadth of Expertise: Our team of Certified Financial Planning® professionals and other specialists is equipped to manage complex financial situations, offering advice on tax efficiency planning, estate planning, and other specialized areas.

 

Personalized Attention: Your dedicated Wealth Planner ensures that your individual needs are met with the utmost care and attention.

 

Continual Monitoring and Adjustment: Financial landscapes change, and so do your life circumstances. Our ongoing fee allows us to proactively adjust your financial plan to align with these changes, ensuring you remain on course to achieve your goals.

 

Resource Allocation: The fee ensures that our firm can continue to allocate the necessary resources and tools that facilitate the high-quality services you deserve.

 

A Fair Model: For accounts under $500,000, the cost of providing in-depth financial planning services can exceed the income from typical asset-based advisory fees. Our model allows us to offer these services at a break-even or a mild profit, maintaining the sustainability of our high-caliber advisory service.

 

Your Partner at Every Step:

 

We understand that fees are an important consideration. This is why we want to be upfront about the costs associated with managing your wealth. Your trust in us is paramount, and we strive to ensure that every dollar you invest in our services brings you value, security, and confidence your financial goals and dreams can be realized.

 

Our commitment to your financial well-being is unwavering, and we invite you to discuss with us how our comprehensive advisory services can make a difference in your life.

 

Thank you for your understanding and trust. We are here to help you navigate your financial journey with confidence and clarity.

Building Financial Resilience: Determining Emergency Cash Reserves

At Gatewood Wealth Solutions, we prioritize empowering our clients with robust financial strategies, including effective cash management to weather market uncertainties. Understanding the importance of maintaining liquidity during bear markets while remaining confidently invested for the long-term, we review and update cash needs regularly. Here’s how we determine appropriate emergency reserves tailored to different life stages using our Gatewood Rules-of-Thumb:

Cash Management: Pursuing Stability During Market Fluctuations

The primary strategy is to maintain sufficient cash reserves for liquidity needs, especially during bear markets. By holding targeted cash reserves during one’s financial journey, individuals can mitigate the risk of selling investments during down markets and remain confidently invested for the long-term.

Determining Emergency Cash Reserves by Life Stage

Emergency reserve targets are based upon an individual’s life phase and total monthly expenses.
We follow the Gatewood Rules-of-Thumb below for the number on months’ worth of total household expenses one should keep in cash:
  • Life Phase 1 – Early-Career Accumulation (3-6)
  • Life Phase 2 – Mid-Career Accumulation (6-18)
  • Life Phase 3 – Late-Career Nearing Retirement (12-24)
  • Life Phase 4 – Retirement Income Distribution (18 – 30)

 

We then determine one’s near-term lump sum expense needs. These include significant financial commitments, such as making a down payment on a new house, buying a new car, funding a home renovation project, or covering tuition fees for a child’s education.

Calculating the Cash Total Target

To determine the total cash target, we assess:

                    Emergency Reserves (3-30 Months’ Expenses – Life Phase Based)

+                  Near-Term Lump Sum Expense Need (0-24 Months from Now)

=                  TOTAL CASH TARGET

Conclusion

By targeting emergency cash reserves according to your life stage and financial needs, we aim to provide investor confidence during economic uncertainties. Contact Gatewood Wealth Solutions today to explore how we can tailor a cash management plan to align with your specific financial goals and aspirations.


Important Disclosures:

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

The Evolution of GATORS: Gatewood Wealth Solutions Pillars of Culture

Aaron Tuttle, CFA®, CFP®, CLU®, ChFC®

Chief Executive Officer

INTRODUCTION

 

At Gatewood Wealth Solutions (GWS), our journey is defined by more than just financial success—it’s about fostering a culture that inspires growth, integrity, and resilience. At GWS, culture isn’t just a buzzword—it’s the heartbeat of our organization.

 

But how did we arrive at this ethos? Let’s take a stroll down memory lane to uncover the origins of our distinctive culture and the birth of the GATORS. Our journey towards cultivating a vibrant and values-driven culture began with the passion and dedication of our founder, John Gatewood. He instilled in us a commitment to excellence, integrity, and continuous improvement.

 

ORIGINS OF THE GATORS

 

Our founder, John Gatewood, had a keen eye for detail and an unwavering commitment to excellence. When he corrected errors or provided guidance, it became known as being “Gatored.” This dedication to improvement laid the foundation for our core values, which would later be encapsulated in the acronym GATORS.

 

CRAFTING THE GATORS

 

As the firm’s ownership changed hands, there was a collective desire to formalize our values. Thus, the GATORS were born—a set of guiding principles that reflect our commitment to excellence, trust, ownership, resilience, and seeking sustainable solutions. These values aren’t just words on a page; they’re the fabric of our culture, shaping how we interact with each other and serve our clients. From leadership to frontline, every team member is measured by these values.

 

GROWTH – is on the other side of adversity: Commit to a lifetime of learning and becoming a better version of you, both personally and professionally. Becoming comfortable can lead to complacency, push yourself outside of your comfort zone and embrace change.

 

ATTITUDE – is an expression of your values, beliefs, and expectations. Make it great: Be quick to admit mistakes and take corrective action. Be willing to give and receive positive and constructive feedback. Be responsible for your words and actions.

 

TRUST – is earned over 1,000 actions but lost in 1: How consistently do I keep my promises and act with honesty in all situations. Do I demonstrate reliability over time and am I willing to take responsibility for my actions. Am I transparent with my fellow team members?

 

OWNERSHIP – because you are more than your job title. To the client, you are the company: You are responsible for learning, doing, improving, and advancing your own career. You are responsible to know and follow GWS policies and procedures. No one is above any job, if something needs to be done, do it. Don’t make it someone else’s responsibility.

 

RESILIENCE – never give up! When you fall 7 times, get up 8 times. How effectively do I handle unexpected challenges and maintain a positive outlook? How determined am I to keep trying despite obstacles and failures?

 

SOLUTIONS – not answers: When faced with an obstacle, seek the solution to the problem, not just an answer that provides a temporary resolution.

 

WHY IT MATTERS

 

Our culture isn’t just about us—it’s about our clients and our team members. For our clients, it means entrusting their financial futures to a team that embodies integrity, resilience, and a relentless pursuit of excellence. For our team members, it means being part of a workplace where they feel valued, empowered, and inspired to make a positive impact.

 

LEARN IT! LIVE IT! DEFEND IT!

 

At GWS, our culture isn’t just a set of guidelines—it’s a way of life. We breathe life into our values, defending them fiercely and embodying them in everything we do. By embracing the GATORS, we not only create a better workplace but also deliver superior service to our clients.

 

As we continue to uphold the legacy of excellence and integrity that defines Gatewood Wealth Solutions, we invite you to join us on this journey. Learn it. Live it. Defend it. GATOR up!

 

LPL Tracking #554341

The Gatewood Team Structure: Personalized Guidance for Every Financial Stage

At Gatewood Wealth Solutions, our philosophy is centered around providing personalized and proactive financial guidance for our clients.

In our experience, as clients’ net worth builds, so does their financial complexity. Given this relationship — and recognizing the importance of navigating various needs based on specific life circumstances — we carefully divide our clients into three groups:

 

  •  Private Client Care: Ultra-high net worth, ultra-high financial complexity.
  • Client Care Plus: High net worth, high financial complexity.
  • Client Care: Average net worth and financial complexity.

 

Within these segments, we designate specific Client Care Teams to serve a particular number of families, so they can familiarize themselves with typical client needs within those segments. This also helps ensure that no financial plan or investment portfolio is ever reliant on just one person. If something ever happened to one of the advisors — whether retirement, promotion, death, or any other unforeseen circumstance — there would always be another team member familiar with the client’s goals, objectives, and moving pieces to step in and manage their account moving forward.

While some firms take the traditional, one-client-to-one-advisor approach, we set the standard on a true family-to-firm approach. This continuity plan ensures we can deliver on our promises to the families we serve for generations to come.

Client Care Team structure

As a Gatewood client, you receive an on-call Client Care Team tailored to your needs and aligned to your segment. Each member of the team specializes in a particular area related to your account, and all team members work together so that no stone is left unturned when it comes to keeping you on track towards reaching your goals.
While your Wealth Planner is your day-to-day contact, you also have at least three other team members working behind the scenes at all times on your account, not to mention our specialists who can be called in at a moment’s notice to advise as needed.

Wealth Planner: Navigating Your Financial Future

Your Wealth Planner is your family’s personal Certified Financial Planning professional. The CFP® designation demonstrates their proficiency in financial planning, risk management, investment, tax efficiency, retirement, and estate planning advising. They serve as your trusted guide to create and maintain your personalized financial plan that aligns with your goals and aspirations, going beyond simply providing day-to-day services. He or she will be your go-to for most questions!

Wealth Advisor: Providing Exceptional Client Experience

While the Wealth Planner focuses on your financial strategy, the Wealth Advisor strives to make your client care journey with Gatewood is nothing short of exceptional, especially during times of crucial or complex life decisions. They are dedicated to enhancing your overall experience with the firm, ensuring that every interaction with Gatewood reflects our commitment to excellence.

Wealth Coordinator: Orchestrating Seamless Operations

Your Wealth Planner is supported by a dedicated Wealth Coordinator who takes care of the administrative details of your accounts, from information updates to paperwork. They are the glue that holds the team together, and they work tirelessly to ensure your family has its financial details covered.

Specialists: Providing Experienced Account Support

Our specialists are always ready to provide nuanced knowledge to your family precisely when you need it. Whether you need advice from the Gatewood Investment Committee, a complex strategy from our tax and estate planning specialists, a consultation for employer sponsored retirement plans, or business owner exit planning, we’ll bring in just the right specialist from our team of advisory professionals.

Gatewood Investment Committee: Overseeing and Optimizing your Portfolio

The Gatewood Investment Committee works behind the scenes every day to ensure we’re positioning your investments in a way that helps you pursue your goals. Be sure to tune into our Monthly Market Insights videos to hear their transparent take on the market!

Educational Excellence and Advanced Credentials

At Gatewood, we pride ourselves on the exceptional educational background and advanced credentials of our team members. With a roster that includes MBAs, MAccs, MSFs, MSFSs, JDs, and a suite of distinguished certifications such as CFA®, CFP®, CPA, CEPA®, CMT®, and CAIA®, our professionals bring a depth of knowledge and a breadth of expertise to the table.

In addition to years of experience, this wealth of education and certification translates into a discerning eye for detail and a comprehensive approach to financial strategy. As a client, you benefit from our team’s informed guidance and ability to create sophisticated solutions to meet the complexities of today’s financial landscape.

Gatewood Culture

At Gatewood Wealth Solutions, our culture isn’t just about serving clients; it’s also about nurturing our team members’ growth so they can continue to provide excellent service for years to come. We prioritize a supportive and empowering environment where every individual is encouraged to thrive personally and professionally. This commitment to our team’s well-being fuels their dedication to delivering nothing short of exceptional client experiences, making our culture the driving force behind our success.

Our Commitment to Your Family

Our team structure is designed to ensure that, regardless of life’s changes, you have a consistent, knowledgeable, and dedicated group of professionals ready to support you. As your life evolves, so does our service, adapting to provide the relevant expertise that your situation demands.

If you have any questions about your own Client Care Team structure, please reach out to your Wealth Planner. Not only are we passionate about your success, but we’re also deeply committed to excellence, continually striving to get better, and staying competitive. We will always go the extra mile for our clients and our teammates!

 


Important Disclosures:

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

All information is believed to be from reliable sources; however, LPL Financial makes no representation as to its completeness or accuracy.

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.

Testimonials

"Our relationship with Gatewood Wealth Solutions has evolved over the years right along with our family.  From building and protecting our wealth to retirement and estate planning, Gatewood has guided us and enabled our objectives. It’s assuring to know skilled professionals we trust are working with us to optimize what we have worked for all our lives. "

Read more
Dr. Boyd C.
Retired Corporate Executive 11.13.23

"My wife and I have had the benefit of working with John Gatewood for over thirty-five years. Initially, John worked with us planning our personal and business life insurance needs. As his service offerings expanded, we took advantage of his expertise to help us with our family's financial planning. We could not be more pleased than what we are with the plan the Gatewood Wealth Solutions team developed for us. The team members are well-trained, intelligent, friendly, enthusiastic, and very good listeners. We have two scheduled reviews of the plan every year with one of the principals and at least…"

Read more
Steve W.
Retired Business Owner 10.16.23

"My wife and I have known and worked with John Gatewood and his team for nearly a decade.  The values-driven team of Gatewood Wealth Solutions is motivated, caring, highly competent and personally fueled by character and integrity.  I recommended Gatewood to friends and family - including my children - because their deep desire to help clients 'give purpose to their wealth' gives us all the opportunity to better serve our families and communities."

Read more
Dave M.
Corporate Executive 09.19.23

"Navigating the complexities of my corporate life was already a challenge, but when my husband passed away, it felt like an insurmountable mountain of emotions and paperwork. The team at Gatewood Wealth Solutions stepped in with compassion, efficiency, and expertise, guiding me through the entire estate settlement process. Their unwavering support made a world of difference during such a challenging time. I am profoundly grateful for all they've done and continue to do for me. Their services are truly unparalleled, and I wholeheartedly trust and recommend them."

Read more
Carol S.
Corporate Executive 09.20.23

"My wife and I became a client of Gatewood Wealth Solutions twelve years ago on the recommendation of a friend who was also a Gatewood client, and I am very glad that we did. Until that time, I had managed our 401(k) and investments, but with retirement on the horizon, we felt it important to get professional help for retirement planning and investment management. The Gatewood team developed an integrated financial and retirement plan that we refined together. It was based on information such as our current financial position, desired retirement date and lifestyle, anticipated job and retirement income, expenses,…"

Read more
Phil P.
Retired Corporate Executive 09.20.23

"I have worked with Gatewood Wealth Solutions since its inception and could not speak more highly of my experience. Gatewood Wealth Solutions provides comprehensive wealth management services for my family in a very sophisticated way. Their planning services are comprehensive and consider all assets of our family, not just what they manage. This is important for our family since we have a real estate business which must be considered in our planning. They also help us with our estate and tax planning each year. Their service is exceptional and is proactive and not reactive. I have referred members of my…"

Read more
Tim M.
Partner/Attorney 09.22.23

"I’ve been with Gatewood Wealth Solutions and its predecessor for 21 years as our financial advisors. I first met John Gatewood in 2002 when I purchased a life insurance policy from him when he was with Northwestern Mutual. Shortly after having additional discussions with John, we started using them as our only financial advisors. They continued over the years to more than perform above my expectations and also started to bring in additional talent within their organization in order expand and meet client’s expectations. Since they’ve organized as Gatewood Wealth Solution and separated from Northwestern Mutual, they’ve continued to add…"

Read more
Joe H.
Retired Corporate Executive 09.25.23

"I have been with Gatewood Wealth Solution for seven years, and I would highly recommend them for wealth management services.  They are a very efficient, effective, knowledgeable team that provides highly personalized, client-centered services.  If I didn't know better, I would think that I am their only client!  They have an excellent working relationship with a highly respected law firm that provides assistance with trusts and estate planning.  They also have an excellent working relationship with a tax accounting firm.  All of this so that all aspects of my financial planning needs are seamlessly coordinated. Their quarterly meetings are well…"

Read more
Susan H.
Corporate Executive 09.26.23

"Partnering with Gatewood Wealth Solutions has been one of the best decisions we have made in the last five years. I have met with numerous financial planners who’ve all come to me with similar ideas and recommendations that don’t seem to prove that they are thinking outside the box for me individually. But when Gatewood came to me with their plan it was strategically designed with so many aspects taken into consideration that I was surprised at how uniquely competent and professional they were. They brought me many ideas and recommendations that would not bring them profit. They brought me…"

Read more
Scott & Johanna S.
Business Owners 09.28.23

"Gatewood Wealth Solutions gives me confidence that my retirement savings are being monitored and managed with MY best interest in mind. All of the staff is welcoming, friendly and respectful. They have comprehensive knowledge of long-term financial planning, estate planning and tax planning. I have been with Gatewood for many years and hope to be with them for many more years to come."

Read more
Gary B.
Corporate Executive 09.27.23

"I have known John Gatewood, the founder of Gatewood Wealth Solutions, for many years. We became friends well before we talked about business, and it was a natural decision to turn to John for help with our affairs when I needed it because I had grown to know and trust him. It really is true that John and his team at Gatewood Wealth Solutions are completely focused on helping ordinary families like ours to become financially independent. The family part especially means something: One day my 20-something son called to ask if I thought our group would be willing to…"

Read more
Steve K.
Retired Corporate Executive 09.27.23

Testimonials Disclosure

The statements provided are testimonials by clients of the financial professional. The clients listed have not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.