About Us
Cantlon Financial Planning, LLC is a full service financial planning firm, formed in 1984, currently managing over $92 million of traded securities (as of January 1, 2024).
We are value-oriented investors but no investment opportunities are eliminated strictly on a formula basis. We provide our clients with a diversified portfolio of individual stocks, bonds and other securities tailored to their risk tolerance, financial objectives and tax situation. Mutual funds are used sparingly to participate in certain market sectors.
We take sole responsibility for investment selection and keep our clients fully apprised of trading activity and account balances.
As Registered Investment Advisors (RIAs), we have a fiduciary duty to our clients. Our interests are directly aligned with our client’s since our fees increase or decrease in direct ratio to client portfolio performance. In addition, we invest our own money into the same securities that we buy for you.
We have been at this a long time. 30 years successfully. Our founder is still active in our daily investment decision making. We hope that you have located our site because you want help in achieving a comfortable retirement. We spend more time on this than anything else.
All accounts are custodied at Fidelity Investments with limited trading authority granted to Cantlon Financial Planning, LLC. Limited Trading Authority allows us to trade on your behalf with no access to the funds in your account. Detailed statements are provided monthly by Fidelity Investments to our clientele. We receive no part of the minimal trading fees charged by Fidelity Investments for order execution.
Our minimum account size is $200,000. Our annual fee is 8/10th’s of 1% (80 basis points) on assets under management. Fees are payable quarterly, in advance.
Returns vary account to account due to individual investment objectives, risk tolerance, and other factors. We are extremely proud of our performance and how our results compare to our peers and the market indices. The initial consultation costs you nothing and the opportunity for us both may be substantial.
About Us:
Michael F. Cantlon graduated from De Paul University with a Bachelor’s Degree in Accounting. His early work experience was as an Auditor and then Corporate Controller until 1983. In 1984, Mike founded Cantlon Financial Planning as the sole proprietor. He has over 40 years of personal investing experience in stocks, bonds, options, annuities, IRAs and mutual funds. He also has 40 years of experience in corporate matters: Accounting, income taxes, insurance, employee benefits, auditing, acquisitions and divestitures, legal, investments and personnel. Mike has 24 years of continuous operation as a financial planner.
Thomas Guyett’s financial planning career originated from his relationship as a Cantlon Financial Planning client. His former profession was turning around underperforming foodservice operations. In mid-2000, Tom and his business partners made a bid to purchase his latest successful turnaround (one that doubled sales from $1 million to $2 million in three years). Mr. Cantlon was advisor to Mr. Guyett’s investment group. Mike became impressed with Tom’s willingness to take on risk tempered with sound financial judgment. The deal did not consummate, at which time Mike suggested that he and Tom combine their strengths to add value to Mike’s financial planning concern. Already familiar with Mikes investment methodology, Tom was a natural fit. He was a quick study in learning the fundamentals of financial planning and portfolio management. He attained full partner status in 2005.
Robert T. Gephart, CFP(R) graduated from the University of Notre Dame with a Bachelor’s of Science degree. After serving for 4 years as an officer in the U.S. Navy, Rob completed his Masters in Business Administration at Aurora University while working at Caterpillar Tractor. After almost 20 years in corporate management, Rob joined Cantlon Financial Planning in 2011. An investor his whole life, Rob uses his management and technical background to improve the daily work flow and increase efficiency at Cantlon Financial Planning. Rob is a Certified Financial Planner(TM) and has also completed the Accredited Asset Management Specialist certification from the College for Financial Planning.
Cantlon Financial Planning, LLC is a State Registered Investment Advisory Firm. Michael F. Cantlon’s CRD# is 1337858. Mr. Thomas E. Guyett’s CRD # is 4365000. Robert Gephart’s CRD # is 5961800. Our firm’s CRD # is 106622. We are registered with the State of Illinois, Securities Department and subject to its regulation and oversight. Visit www.sec.gov to view our regulatory profile.
You can contact Cantlon Financial Planning, LLC by:
– phone at 630-549-0826
– e-mail at mike@cantlonfinancial.com
– mail to 41W671 Brierwood Drive, St. Charles, IL 60175