Financial Guidance Designed for People Who Want Clarity and Control

We help you make informed financial decisions with confidence.

Financial planning should make life feel clearer, not more complicated.

Yet many people find themselves with accounts, strategies, and advice scattered across different places. Each decision was made in isolation, without a clear sense of how everything fits together.

Over time, that lack of coordination creates uncertainty, hesitation, and stress.

We're here to change that experience. Our focus is guidance, clarity, and confidence. Not control. Not product sales. Not one-size-fits-all advice.

Our goal is to help you clearly understand where you are, where you want to go, and how your financial decisions can support that direction in a thoughtful, intentional way.

A Guidance-First Philosophy

Your financial life is a journey. And like any journey, it's hard to move forward confidently without knowing your starting point or your destination.

That's why GPS Financial is built around a simple philosophy: this is your financial journey, and you remain in the driver's seat.

Our role is not to make decisions for you. It's to help you understand your options, evaluate tradeoffs, and make informed choices witah confidence.

  • Core Principles

  • Education comes before action

  • Clarity comes before commitment

  • Understanding leads to confidence

"When you understand how your decisions fit together, confidence follows naturally."

Nick Welch, Founder of GPS Financial

GPS Financial was founded by Nick Welch, a financial professional with over 17 years of experience helping individuals, families, and business owners navigate complex financial decisions.

Nick's expertise is grounded in retirement income planning, cash flow structuring, and insurance-based financial strategies that support long-term financial independence.

As a Certified Income Advisor (CIA), his work focuses on helping clients improve liquidity, gain control over cash flow, and reduce reliance on guesswork or fragmented advice.

Nick works closely with other professionals—including CPAs, attorneys, and investment advisors—not to replace them, but to help clients understand how all the pieces fit together.

His role is to guide conversations, clarify options, and help ensure financial tools and strategies align with each client's goals, values, and desired destination.

What It's Like to Work Together

Conversations at GPS Financial are collaborative and thoughtful.

You can expect open discussion, clear explanations, and space to ask questions without pressure. 

There’s no rush to make decisions and no expectation that you already know what you want to do next. Our process moves at a pace that allows understanding to develop naturally.

As life evolves, guidance continues. The focus isn’t constant activity—it’s staying aligned as priorities change and new decisions arise.

Start Now with a Financial Clarity Call

If you want to understand where you are and how your financial decisions fit together, the next step is to schedule a Financial Clarity Call.

It's a focused conversation designed to help you gain perspective, identify what matters most right now, and decide—without pressure—what makes sense to address next.

© 2026 GPS Financial Services. All rights reserved.

*Disclaimer: Financial Advisors do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation. Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or account. These product recommendations are not part of the financial plan and you are under no obligation to follow them. Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.