# Cantlon Financial Planning LLC

Cantlon Financial Planning LLC is a RIA based in St. Charles.

## Overview

- **Organization type:** RIA
- **Headquarters:** St. Charles
- **Founded:** 1984
- **Assets under management:** Undisclosed
- **Website:** cantlonfinancial.com

## Regulatory record

- **CRD number:** 106622
- **SEC file number:** 801-132223
- **Registration status:** Registered
- **Latest Form ADV filing:** 2026-01-27T00:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/106622

## About

Cantlon Financial Planning, LLC is a full service financial planning firm formed in 1984 that provides local investment management of custom portfolios for retirement. The firm is independent, acts as a fiduciary, does not sell products such as insurance or annuities, and is a Federally Registered Investment Advisory Firm. It is value-oriented and provides diversified portfolios of individual stocks, bonds and other securities tailored to clients' risk tolerance, financial objectives and tax situation.

## Sectors

- Financial Services

## People

- Michael F. Cantlon — founder
- Thomas Guyett — full partner
- Robert T. Gephart — CFP

## Questions

### Is Cantlon Financial Planning LLC a fiduciary?

In its capacity as a registered investment advisor, Cantlon Financial Planning LLC is held to a fiduciary standard, meaning it is legally required to act in clients' best interests.

### How does Cantlon Financial Planning LLC charge clients?

Most registered investment advisors like Cantlon Financial Planning LLC charge fees as a percentage of assets under management, an hourly rate, or a flat fee. Specific fee schedules for this firm are not disclosed in public sources.

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Last updated: 2026-08-11T15:06:20.694Z

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