About Us

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Gowdy Financial Group (GFG), LLC., is an Advice-Only Financial Advisory firm dedicated to: helping: Single, Widowed or Divorced women get out of debt, build wealth, save for retirement and enjoy the peace of mind that comes with being in control of your money.

"Advice-only" means you only pay the advisor for advice; their knowledge and experience. You pay for as much (or as little) of our time as you need. There’s no long-term commitment. We make financial advice more accessible and more affordable.

Most financial advisors provide more than just advice; they manage client investments, charging fees or commissions, which is how they make their money. But GFG offers financial advice and nothing more, empowering clients to handle their own investments and providing guidance on a range of other financial issues beyond asset management.

The main benefit of "advice only" is for clients who haven’t traditionally been served by the financial planning industry, to finally get the opportunity to get financial advice without having to hand over your investments. This could potentially save the client a lot of money.

An Advice-Only Financial Advisor:

  • Helps people who aren't wealthy or who don't need or want someone else to manage their investments
  • Does not manage assets
  • Is a Fee-Only advisor
  • Does not sell insurance or annuities
  • Does not have discretion over client assets
  • Does not manage AUM (Assets Under Management)
  • Does not charge a fee for managing assets
  • Does not implement investment recommendations on the client’s behalf
  • Provides financial planning services, financial coaching and financial advice only

What is a Financial Advisor?

U.S. News & World Report defines a financial advisor as someone who: helps clients evaluate their finances and develop a plan for how they can achieve their financial goals.

We treat our clients as individuals with unique needs. We seek to develop an authentic, one-on-one relationship with you and will design a financial plan that is tailored to your specific situation.

Our services include:

  • Budgeting
  • Financial Planning
  • Retirement Planning
  • College Planning
  • Tax Planning
  • Estate Planning
  • Debt Management
  • Credit Restoration
  • Insurance Planning
  • Investment Planning
  • Small Business Loans


Historically, the financial services industry has ignored, alienated and simply let women down. Nothing is worse than feeling unheard. We hear you. Gowdy Financial Group, LLC. is a firm that will listen to your voice, understand your needs, values and act on your priorities.

As your financial advisor, we will act as your:

Coach: We will help you identify your goals and, as your accountability partner, we will help you work towards achieving them.

Counselor: We will address your specific financial situation, provide personalized solutions and guide you through the process.

Consultant: We will educate you on the importance of financial planning.

Confidant: We will go beyond the numbers to make sure you feel confident with your financial decisions.

Click on the link below to schedule a consultation.

Our Primary Purpose

The issue is not whether you have debt or not. The issue is, who gets to earn the interest. Most people pay interest rather than earn interest. Would you like to be able to borrow and earn interest at the same time? This is an important concept to learn.

We will show you how to manage your money wisely, eliminate your debt and establish a strong savings and investment strategy.

As Advice-Only Financial Advisors,  we are paid directly by our clients for consulting services. We do not receive any commissions from selling products. As a fiduciary, we act in your best interest, at all times. We charge a flat-fee and have several planning options available.

We don’t charge as much as other financial planners because we want to be able to work with people who can’t afford traditional financial advice; but need it.

A major difference between Gowdy Financial Group, LLC. and other advisors is that as an advice-only financial advisor, our firm does not use a products-based model. Instead, we utilize a goals-based model.

Click on the link below to schedule a consultation.

We provide our clients with the knowledge, skills and support that will help our clients, eliminate debt and build wealth. We make Financial Advice: Better, More Affordable and Accessible.

Client Centered

In many cases, our clients are not at the point where they have large amounts of money to invest. They are more worried about working their way out of debt or building up their emergency fund.

Our ultimate goal at GFG, is to teach you how to fish; to get you to a place where you have the basics down, are comfortable and confident handling your own finances and don’t need our help anymore, but we are here if you do. That is true financial independence.

Who Do We Serve?

Our practice focuses primarily on single, divorced or widowed women, who are the head of the household and need financial advice no matter your:

  • Income
  • Background
  • Education

Financial Advice is not just for the wealthy. We make financial advice more accessible and more affordable. Let us help you worry less about money.

We are based in NJ. However, as long as you have access to the internet, we are not bound by geography.

Click on the link below for a consultation.

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