St. Charles, IL Office

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.