Debbie Gallant


Gallant Financial Planning

CEO and Lead Financial Advisor

I can work with clients anywhere!

Debbie Gallant


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 provides 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.

Debbie Heffernan Gallant is a CERTIFIED FINANCIAL PLANNER™, ChFC®, RLP®, RICP® and founder of Gallant Financial Planning, a 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.

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 the immediate past President of the DC Metro chapter of NAPFA and previously served on the Regional Board. Debbie's a Notary Public.

Based in Rockville, Maryland, she works with clients across the country. Outside the office, she enjoys spending time with her husband and family, gardening, 2 elderly 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.


  • 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

Contact Debbie Gallant

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Office Locations:

  • 13001 Cleveland Drive
    Rockville, MD 20850

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