GCD Financial Planning and Advisory Services
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About
GCD Financial Planning and Advisory Services provides customized, fee-only financial planning and advisory services for a broad mix of individual clients (low, middle and high income, including high‑net‑worth individuals), trusts and estates, small businesses, and charitable organizations. Services described in the brochure include retirement and estate planning, tax and cash‑flow analysis, insurance review, education funding, debt management, and investment planning across mutual funds, ETFs, equities and fixed income.
The firm operates under a fiduciary standard and does not manage client assets, accept custody, or exercise discretionary trading authority; clients retain implementation and custody decisions and the firm recommends custodians and brokers as appropriate. Investment advice emphasizes asset allocation and diversified, fund‑based strategies, and the firm charges fixed, retainer, or hourly fees rather than a percentage‑of‑assets model.
Notable features for a firm in this category include a single managing member with over 40 years of senior corporate finance and corporate banking experience and an explicit practice of offering pro‑bono and affordable planning options to broaden access. The brochure also highlights that the firm reports no assets under management and relies on hourly and negotiated fixed fees—practices that differ from the percentage‑of‑AUM fee structures common among many investment‑manager peers.
Client services
Expertise
Fee options
Fixed fees for one-time financial planning services typically range from $750 to $3,000.
Hourly fees range from $150 to $400 per hour, billed monthly in arrears.
Fee-only: Initial Financial Planning set up Fee $750 - $3,000; Ongoing Annual Fee $250 - $2,000 per year; One-time Financial Planning Fee $750 - $3,000; Fees are negotiable and based on complexity, time, and client circumstances.
Main office
Fairfield CT
Advisors at this office
1
Most active in
Connecticut
Also doing business as
Gcd Financial Planning And Advisory Services · Gcd Financial Planning And Advisory Services, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
Forms ADV
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