Debbie Heffernan Gallant

Debbie Heffernan Gallant


Gallant Financial Planning


Contact Me

We help you establish your financial and investment planning goals. Then, we work together to get you to your goals - with a solid financial foundation and peace of mind.


  • Financial Planning
  • Retirement Planning
  • Investment Management
  • Tax Planning
  • College Planning
  • Estate Planning Education
  • Creating a Retirement Paycheck
  • Asset Allocation Advice
  • Employee Benefits Review
  • Financial Issues for Women
  • Social Security and Medicare Decisions
  • Risk Management/Insurance Review


Visit Us

13001 Cleveland Drive
Rockville, MD 20850

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Debbie Gallant is a fee only financial planner and investment advisor located in the Rockville/Potomac/Gaithersburg/Germantown area of Maryland and is a fiduciary who serves in your best interests.  She is passionate about helping her clients achieve their personal and financial goals as well as providing clients with peace of mind. Gallant Financial Planning is a Registered Investment Advisor firm. Debbie and her staff of five ensure you are in good hands.

I am Debbie Heffernan Gallant, a Certified Financial Planner™, Chartered Retirement Planning Counselor, and Financial Life Planner located in Montgomery County, Maryland, a lovely suburb of Washington DC. I founded Gallant Financial Planning, a Registered Investment Advisor firm, in 2008 after 11 years as a consultant to Federal environmental programs followed by 16 years running an independent, small business. Now, as a Certified Financial Planner and fiduciary, I am delighted to be providing services to clients to increase their well being.
As a fee-only advisor, I act as a fiduciary and work solely to serve your best interests at all times. As we build your plan, we build a relationship: at Gallant Financial Planning, you’ll receive expert, caring advice – not a sales presentation. You can look forward to focused, personal attention from me in a friendly, warm and relaxed environment. Finances are stressful enough - planning doesn't have to be!
I am a Certified Financial Planner™, Registered Investment Advisor, Chartered Retirement Planning Counselor, Chartered Financial Consultant and Registered Life Planner and specialize in client-centered financial life planning. As a fee-only advisor, I am active in the National Association of Personal Financial Advisors (NAPFA) as well as the Financial Planning Association. I am immediate past President of the DC Metro chapter study group for NAPFA.

As a mom, daughter in law, wife, and community oriented person, I add my own life experiences along with my years of financial experience to my investment education and expertise in tailoring advice to your specific goals and preferences.
I look forward to the opportunity to work with you and help design the path to your financial and personal dreams.


At Gallant Financial Planning, we specialize in a variety of services, including:

  • Comprehensive Financial Planning
  • Financial Coaching/Education
  • Retirement Planning and Distribution Planning
  • College Funding/Planning
  • Investment Advisory Services & Asset Allocation Recommendations
  • Tax & Estate Planning Education and Review
  • Financial Life Planning 

Every client comes with a unique history and individual goals. At Gallant Financial Planning, we help you establish your life plan. Then, we work together to get you there. Services are available at a range of levels, according to your needs. Projects can range from a single consultation to a multi-month plan to a lifelong financial roadmap. And many clients chose to continue working with us on an ongoing annual basis.

Gallant Financial Planning works with you in partnership to develop holistic financial life plans based on your unique pursuits and constraints. Money is your tool – the fulfillment of your dreams is the goal.