Debbie Gallant
CFP®, RLP®, ChFC®, RICP®
Gallant Financial Planning
CEO and Lead Financial Advisor
Debbie Gallant
CFP®, RLP®, ChFC®, RICP®
Gallant Financial Planning
CEO and Lead Financial Advisor
Let's have a conversation about what you want and need to feel financially secure and ready for your future. - Debbie Gallant, CFP®, RLP®, ChFC®, RICP®
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.
Debbie Gallant is a Rockville, MD fee-only financial planner. Gallant Financial Planning consists of a team of 3 CERTIFIED FINANCIAL PLANNERS who provide comprehensive and objective financial planning and investment management to help retirees and near-retirees organize grow and protect their assets through life’s transitions while also factoring in sustainable and impact investing as appropriate. As a fee-only, fiduciary, and independent financial advisor, Debbie Gallant is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice. Gallant Financial Planning LLC is a certified B corporation and a member of the US Sustainable Investing Forum.
Debbie Heffernan Gallant is a CERTIFIED FINANCIAL PLANNER™, ChFC®, RLP®, RICP® and founder of Gallant Financial Planning, a fiduciary fee-only Wealth Management firm in the Washington DC area. Personal finance has been part of her personal and professional life for over 35 years. Debbie deeply believes in creating a positive impact on the world through social justice, ethical investing, and using our resources to better the world. In 2022, she and her team became a certified B corporation.
Specializing in client-centered financial life planning, she works closely with clients to develop personalized strategies that address both short-term and long-term needs. She strives to create a warm and friendly environment so her clients feel comfortable and relaxed. To avoid anyone feeling overwhelmed by their strategies or her recommendations, she dedicates the time it takes to offer focused, personal attention and services that are completely adaptable to each client's goals and needs. Beyond financial and investment services, she seeks to provide her clients a deeper sense of understanding regarding their financial circumstances. She believes that providing meaning to all the various parts of their financial life can impart a sense of peace and reduced stress.
Along with more than three decades of professional experience, she has advanced training and education in holistic and comprehensive financial planning, having received the Chartered Financial Consultant®, Registered Life Planner®, Chartered Retirement Planning CounselorSM, Retirement Income Certified Professional, and CFP™ designations. As a fee-only advisor, she is active in the National Association of Personal Financial Advisors (NAPFA) as well as the XY Planning Network. She is also a past President of the DC Metro chapter of NAPFA and previously served on the Regional Board.
Based in the Metro DC suburbs of Maryland, Debbie works with clients across the country. Outside the office, she enjoys spending time with her husband and family, gardening, senior rescued Cairn Terriers, 5 fabulous "bonus" children, and 4 grandchildren.
Debbie Gallant is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
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.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- Tax Planning
Ideal Clients
- Retirees and Near Retirees
- Busy People Who Delegate
- Socially Responsible Investing and Giving
- An ongoing trusted partnership
Working Together
- Virtual Meetings via Videoconferencing
- Clearly Defined Fees
- Comfortable, Casual Environment
- Friendly Collaborative Relationship
Professional Designations & Affiliations
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Debbie Gallant is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for VerificationCFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Debbie Gallant is a NAPFA-Registered Financial AdvisorThe National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Debbie Gallant is a Retirement Income Certified Professional® (RICP®)A professional designation for experienced financial advisors and investment managers who have passed coursework to become experts in retirement income planning. A Retirement Income Certified Professional® helps retirees and near-retirees develop and implement a plan for managing the financial assets they have accumulated for retirement and a set realistic budget to help meet life goals.
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Debbie Gallant Has Received the Registered Life Planner® Designation at the The Kinder Institute of Life PlanningThe Kinder Institute trains and coaches financial advisors worldwide in a method we call financial Life Planning. This method is based on the premise that advisors should first discover a client’s most essential goals in life before formulating a financial plan, so a client’s finances fully support those goals.
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Debbie Gallant is a Member of the XY Planning NetworkThe XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
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Debbie Gallant is a Chartered Financial Consultant® (ChFC®)Chartered Financial Consultant® designations are granted upon completion of seven required courses and two elective courses. Those who earn the designation are understood to be knowledgeable in financial matters and to have the ability to provide sound advice.
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Debbie Gallant is a Money Quotient Trained Financial AdvisorMoney Quotient is a 501(c)(3) non-profit organization founded on the belief that a holistic and multi-disciplinary approach to financial education and planning will engage individuals and inspire them to maximize their resources and live purposeful lives.
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Debbie Gallant is a Chartered Retirement Planning Counselor℠ (Learn More)The Chartered Retirement Planning Counselor℠ or CRPC® designation is a premier retirement planning credential. The CRPC® program covers all aspects of the retirement process in a single comprehensive program with no product or advising biases.
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Gallant Financial Planning is a Certified B Corporation. "Make Business a Force For Good." B Lab is the nonprofit network transforming the global economy to benefit all people, communities, and the planet.
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Gallant Financial Planning is a Member of the US SIF: The Forum for Sustainable and Responsible Investment
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Debbie Gallant is Featured on XYPN Radio: "From Massage Therapy to Financial Planning. How to Build a Business That Works for You"
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Debbie Gallant is Quoted on Prudential :"Get to Know Your Retirement Funding Options"
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Debbie Gallant is quoted in the Wall Street Journal: "Financial Advisers Balk at Changes to TD’s Commission-Free ETF Menu"
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Debbie Gallant is Quoted in The Washington Post: "Is it possible to refinance too often?"
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Debbie Gallant is Quoted in MarketWatch: "Don’t listen to your parents, their financial advice is all wrong for you"
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Debbie Gallant is Quoted on NerdWallet.com: "Your Parents’ Financial Advice Is Probably Wrong (for You)"
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Debbie Gallant is Quoted in Investor's Business Daily: "This Is Why More People Are Investing, Not Spending, Their HSA Health Care Savings"
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Debbie Gallant is Quoted on Nasdaq.com: "Health Savings Accounts Offer Triple Tax Benefits"
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Debbie Gallant is Quoted in Financial Planning Magazine: "Health savings accounts offer triple tax benefits"
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Debbie Gallant is Quoted in NAPFA Advisor: "Long-term disability 101"
Contact Debbie Gallant
Office Locations:
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13001 Cleveland Drive
Rockville, MD 20850
