Jacob Gold & Associates, Inc.
Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.
A Partnership in
Financial Planning
In 2015, Jacob Gold joined the W.P. Carey School of Business at Arizona State University as a professor of finance. Upon his arrival, he collaborated with the Arizona Board of Regents, fellow ASU faculty, and the CFP Board to develop a new bachelor's degree in Financial Planning. Today, this program stands as one of the fastest-growing degrees within the business school.
Professor Gold currently teaches two courses at ASU: FIN 123 and FIN 380.
Jacob H. Gold
Our Founder/President
Jacob Gold is a third-generation CERTIFIED FINANCIAL PLANNER™ and founder of a financial services firm dedicated to helping individuals and families navigate their financial futures with clarity and confidence. He serves as an Adjunct Professor of Finance at Arizona State University's W. P. Carey School of Business, where he teaches personal finance. Jacob is the author of two books and has been featured in many major media outlets. He is also an NFLPA Registered Player Financial Advisor.
Making An Impact On The
Next Generation
Professor Gold is deeply committed to educating the next generation about personal finance. He understands that without a strong financial foundation, young adults may face challenges that could lead to costly mistakes with the risk of potentially long-lasting emotional and financial consequences. By fostering financial awareness early, he seeks to empower individuals to make informed decisions for their future.
With more than 25 years of experience on Wall Street, Professor Gold brings real-world insight into the classroom. As a CERTIFIED FINANCIAL PLANNERTM, Jacob brings academic research to his financial services firm.
Families
We love working with families to help them feel confident and in control of their financial future. Whether you're managing a monthly budget, planning for college or retirement, or thinking about how to leave a legacy, we’re here to guide you every step of the way. Our team helps families set and reach long-term financial goals, manage debt wisely, and make smart decisions around taxable income. We also work closely with you on estate planning, ensuring your wishes are clear and your legacy is protected. Think of us as your financial partner—here to simplify the complex and help you focus on what matters most: your family and your future.
Business Owners
& Executives
We specialize in helping business owners and executives manage the unique complexities of their financial lives. From equity compensation to retirement planning, our goal is to simplify the details so you can focus on growing your business or advancing your career. We provide guidance on managing RSUs, stock purchase plans, and other equity compensation, helping you understand the timing and tax impact of each decision. We also help optimize your 401(k), pension, and deferred compensation strategies to align with your long-term goals. Whether it’s building personal wealth, planning for retirement, or navigating a business transition, we’re here as your trusted financial partner—helping you make smart, informed decisions at every stage.
Professional &
College Athletes
We understand the unique financial needs of professional and college athletes, and we’re here to help you make the most of your earning years—both on and off the field. Our team provides guidance on managing Name, Image, and Likeness (NIL) income, endorsement deals, and contract earnings, with a focus on smart budgeting, tax planning, and long-term wealth building. We also help you navigate key benefits like disability insurance to protect your future in case of injury or career interruption. From managing sudden wealth to planning for life after sports, we work closely with athletes to create a personalized financial game plan—so you can stay focused on your performance today while building security for tomorrow.
Identify
Our first step is to identify your financial goals and current situation.
Plan
We develop a comprehensive financial strategy that addresses your goals.
Allocate
Once the plan is in place, we focus on allocating your resources effectively.
Adjust
Our achievements are rooted in fostering deep collaboration.
À La Carte Services
If you have a specific question, need a second opinion, or want guidance on a financial decision, our team is here to help.
Hourly Rate: $500
Tax Planning
No comprehensive financial plan is complete without a clear understanding of tax strategies. While some taxes can be deferred, others can be minimized through tax-efficient investing. With thoughtful, consistent planning, we help our clients proactively manage the impact of taxes on their overall financial well-being
What is Asset Allocation & Why is it Important?
Asset allocation is the process of dividing your investments among different categories—such as stocks, bonds, cash, and real estate—to balance risk and reward based on your financial goals, risk tolerance, and time horizon. It’s one of the most important concepts in investing, because it has a significant impact on long-term returns and the overall stability of your financial plan.
Think of asset allocation like making the perfect salsa. On their own, the ingredients—tomato, onion, jalapeño, cilantro—are good, but not complete. It’s when you blend them in the right proportions that the magic happens. Too much jalapeño and it’s overpowering. Not enough tomato, and the texture is off. But with the right mix, you get something balanced, flavorful, and unforgettable. Investing works the same way. The right combination of assets—stocks for growth, bonds for stability, cash for flexibility, and real estate for diversification—can create a portfolio that is both resilient and rewarding. Just like a good salsa brings balance to your palate, a well-diversified portfolio helps balance your financial plan. Stocks can be spicy—offering high returns, but also carrying more risk. Bonds are like the tomatoes of your investment mix—foundational, steady, and essential. Cash is your onion—adding liquidity and accessibility, while real estate brings in that fresh burst of flavor, like cilantro, offering both income and potential appreciation.
The key is not to overload your portfolio with one “ingredient.” Too much stock exposure during a market downturn could burn your financial mouth, just like too much jalapeño. Not enough growth assets, and your plan may fall flat, like a salsa with no kick.
A solid asset allocation strategy helps you weather the economic storms. Markets go up and down—sometimes unpredictably—but when your portfolio is built with the right balance, it’s better equipped to handle volatility. If one asset class underperforms, others may pick up the slack. This can smooth out returns over time, reducing emotional investing decisions like panic selling or chasing hot trends.
Importantly, asset allocation isn’t a one-time recipe—it needs to be reviewed and adjusted as your life changes. Just like your taste in salsa might evolve (more spice as your palate matures), your portfolio should reflect changes in your income, lifestyle, family situation, and retirement goals.
At its core, asset allocation is about control—crafting a portfolio that fits you, not just the market. It’s a personalized mix designed to help you stay invested with confidence, no matter what’s happening in the economy.
So whether you're blending salsa or building your financial future, the right mix makes all the difference.
Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.
