Cantlon Financial Planning LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Cantlon Financial Planning LLC provides personalized financial planning and discretionary asset management to individuals, trusts, estates, and charitable organizations, covering cash‑flow and tax planning, retirement and education funding, estate planning, and ongoing portfolio management. As of December 31, 2025 the firm managed about $125 million across roughly 99 client relationships and generally requires $200,000 to open an account, with occasional exceptions and some pro bono work.
The firm implements client-specific investment programs documented by investment policy statements, uses fundamental analysis, and operates with discretionary trading authority while conducting account reviews on a monthly basis. Its stated strategies include option writing and other derivatives strategies (including covered and uncovered options and spread strategies), which are implemented in client accounts and carry additional market and counterparty risks.
A distinctive feature of the firm is that some advisors are licensed insurance agents and one advisor spends a small portion of time selling insurance products and may receive commissions for those sales; the firm discloses this potential conflict and notes clients are under no obligation to purchase affiliated products. The firm also does not vote client proxies (clients receive proxy materials directly) and is organized and supervised by a three‑partner ownership team that jointly oversees trading, compliance, and client reviews.
Client services
Expertise
Fee options
$0+: 0.80% annually for new clients $0+: 0.65% annually for clients in good standing as of January 1, 2001
Account minimum: $200,000 Minimum fee: $1,600 per year minimum fee Fee-only: Fees are based on assets under management and minimum annual fee; no commissions received for securities sales.
Main office
See officeSt Charles IL
Advisors at this office
2
Offices (2)
Most active in
Illinois
Also doing business as
Cantlon Financial Planning · Cantlon Financial Planning LLC · Cantlon Michael Francis · Cantlon, Michael Francis · Canton Financial Planning · Canton Michael Francis
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Michael C
Series 63
St Charles, IL
Cantlon Financial Planning LLC
Michael Cantlon is a financial advisor with Cantlon Financial Planning LLC in St. Charles, IL, holding a Series 63 designation and 13 years of industry experience. He has been with Cantlon Financial Planning since 2012 and has worked as a self-employed financial planner since 1983. Cantlon is licensed to sell life, accident, fire, and casualty insurance. Cantlon Financial Planning LLC provides personalized financial planning and discretionary asset management to individuals, trusts, estates, and charitable organizations. The firm uses client-specific investment programs with fundamental analysis and offers strategies including option writing and derivatives, managing approximately $125 million as of the end of 2025.
Robert G
CFP®
St Charles, IL
Cantlon Financial Planning LLC
Robert Gephart is a CFP® professional with 11 years of experience in financial advising. He is a principal at Cantlon Financial Planning LLC and also owns a web design and IT support business that he operates outside of securities trading hours. Cantlon Financial Planning LLC offers personalized financial planning and discretionary asset management to individuals, trusts, estates, and charitable organizations. The firm uses fundamental analysis and client-specific investment programs, including options strategies, and manages approximately $125 million across about 99 client relationships.
Thomas G
Series 63, Series 65
St. Charles, IL
Cantlon Financial Planning LLC
Thomas Guyett is a financial advisor at Cantlon Financial Planning LLC with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Waterstone Financial Group, Inc. and Dreher & Associates, Inc. since the early 2000s. Cantlon Financial Planning LLC provides personalized financial planning and discretionary asset management to individuals, trusts, estates, and charitable organizations. The firm employs client-specific investment programs documented by investment policy statements and utilizes fundamental analysis, including options and other derivatives strategies, while conducting monthly account reviews.
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