Financial Planning

We develop financial plans for people who want to meet their financial needs today and plan for future goals. Each plan is uniquely tailored to your financial goals and objectives.


Financial Planning fee1


Core accounts

Each plan is uniquely tailored to your financial goals and objectives.

Galleon Financial Planning™ takes into consideration all aspects of your wealth and income when preparing your plan. Whether you’re in the process of building your wealth, or if you’re near to or already in retirement, all of our plans begin with a conversation. Our goal is to understand your specific needs and make your plan more manageable. When you engage with us, we prepare a financial plan that focuses on the following:

  • Analysis: Where you are now
  • Objectives: Where you want to be
  • Strategy: How to get where you want to be

Our Financial Planning Process

We follow strict guidelines when preparing something as important as your financial plan. Each phase focuses on your goals and ends with a plan designed to help you achieve your financial objectives.

Phase I

Step 1

Understanding your personal and financial circumstances

Initial meeting

At this initial stage, we obtain qualitative and quantitative information about you and your current financial situation. We take time to analyze the information you provide to us, and we address incomplete information. This stage is vital for a successful outcome and usually takes about a week to complete.

Step 2

Helping you identify and select your goals

Second meeting

During the second step of the process, we identify and select your goals and gather additional information needed to understand your priorities. This step usually takes place at the same time as step 1, and the information you provide helps us analyze your unique situation. 

Step 3

Analyzing your current course and identifying potential alternative courses of action

Following up

After our initial and second meetings, we go to work and analyze your current course of action. Basically, this means we look at what you have been doing with your money, and we make alternative suggestions for improvement. Suggestions can range from mild to strong depending on your current course and future goals. Successful completion of this step wraps up Phase I of the process and helps us develop your financial plan.

Phase II

Step 4

Developing our financial planning recommendations


During step 4, we develop a draft of our financial planning recommendations, or FPR. Each recommendation we present considers the assumptions and estimates we used to develop the recommendation, the basis for making the recommendation, the timing and priority of the recommendation, and whether the recommendation is independent or dependent upon the implementation of another recommendation. Depending on the complexity of your plan, this can take anywhere from thirty to sixty days to complete. 

Step 5

Presenting our recommendations


Step 5 is an exciting time for both you and us. It provides a culmination of our hard work and partnership. During this step, we present our FPR and provide extensive analysis and forward-looking recommendations. Depending on the complexity of your plan, this step can take between one to two hours to complete and can be done in person or virtually. Your plan is presented in a written format and delivered electronically via secured email. This is your opportunity to review our recommendations, take some notes, and make any changes.

Phase III

Step 6

Implementing our financial planning recommendations

Putting it into practice

Once you have had a chance to review the FPR, it’s time to put the plan to work. Once you approve the plan, we go to work by appointing implementation responsibilities; and identifying, recommending, and selecting actions, actors, products, and services needed to put your plan into action. This can include bringing in third parties, such as attorneys, accountants, and other licensed professionals needed to make the plan work. If necessary, we will recommend third parties, or we are glad to work with your own team of lawyers, CPAs, and other professionals.

Step 7

Monitoring and updating


Now that we’ve been partnering for a while, it’s time to check on the plan’s progress. At the step, we look at how well the plan has performed. If there were any investments implemented during step 6, how are they performing? We take a hard look at the economy now vs. then, and we make changes to the portfolio if necessary. Has your personal situation changed since step 6? Do you have a new job, house, or baby? Has your health changed,  or is someone in your life in need of assistance that requires your financial support? We take time to re-evaluate your situation, gather any new qualitative or quantitative data that is relevant, and then update your goals, your tolerance and capacity for risk, and any other important facts. 

Explore our financial planning services

College Planning

A good college plan is a road map that can guide you through school to college, advise you and what to do, and track your progress throughout the process. It begins by creating a plan that defines your educational needs.
Are you planning to help your children, grandchildren, or another child close to you with their education expenses? Or thinking of taking classes yourself? There are many options to help you achieve this goal. We suggest taking some time to think critically about the future costs, which include more than the cost of tuition.

Retirement Planning

Planning for your retirement goes beyond your future financial needs. Other important factors include your health and well-being, emotional readiness, lifestyle, and personal preferences, all of which require careful planning. Everyone dreams of a comfortable, secure, and meaningful retirement.
This requires a stable income stream, less exposure to financial risks, and being prepared for the unexpected. We can help you plan for an income stream that can cover both your essential and lifestyle expenses. Your financial adviser will also help you reduce vulnerability to the unexpected, and help you leave the legacy you desire.

Estate Planning

It’s never too early to begin thinking about your legacy or to design your estate plan. Your legacy transcends money—it also encompasses your values. A plan is an important part of your ongoing financial goals. Designing a legacy that is consistent with your vision and values is a personal and complex process.
To start the process, we suggest setting up a family estate planning meeting to help improve smooth communication, prevent conflicts, and let your family know what’s important to you. Contrary to what many people think, you don’t need to be a millionaire to have an estate plan. An estate plan is an important part of any ongoing financial planning process.

Divorce Planning

Divorce can strain finances as well as emotions. But, with some preparation and financial planning during and after divorce, you can protect your financial interests, and take charge of your future. It’s safe to say that no one goes into a marriage expecting it to end. However, in the end, it all comes down to an equitable distribution of marital assets. We suggest you begin the planning process by preparing a manageable budget until your divorce is final.

Business Planning

Often the dreams of many, owning a business can be rewarding. However, managing your own business takes much more than hard work. You need a plan that addresses the needs of your business throughout every stage. For many people, owning their own business is a dream come true. But, managing your own business takes a lot more than hard work. You need a financial plan—one that addresses financial needs and products for every stage of your business life cycle and that takes into account your personal financial goals and dreams.

Life Events

As time goes on, and you achieve certain milestones, your financial life changes along with other aspects of your life. These changes affect both you and your family. That means your plan needs to change, too. Whether you’re getting married, having a baby, reaching retirement, reaching a major milestone, or going through a major life event, you need to plan for it. When your life changes, your financial life does too. We can help you prepare financially for major milestones—from beginning a new career to leaving a legacy for your grandchildren—with more confidence.

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