M & I Financial Planning Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
M&I Financial Planning Services provides investment management and financial planning primarily for individual investors and family trusts, working with taxable, Roth and tax-deferred accounts. The firm serves a relatively small client base (about 56 household relationships) through two principal advisors and offers discretionary portfolio management and broader planning that considers clients’ real estate, insurance and tax situations.
The firm takes a conservative, long-term approach that combines technical analysis of company financials with cyclical sector analysis, and typically favors exchange-listed individual securities and ETFs over mutual funds. Advisors discuss recommendations with clients whenever possible but operate under discretionary management agreements for all client accounts, using Charles Schwab’s institutional platform for execution and custody.
Compared with many peers, M&I’s client mix does not include high-net-worth households and the firm explicitly notes no account minimums, signaling a focus on non‑HNW individual investors. The two principals maintain a compact practice—one partner allocates substantial time to providing accounting services to a non‑profit—no other employees are listed, and the firm says it does not accept proxy‑voting authority or participate in outside advisor referral arrangements.
Client services
Expertise
Fee options
1.25% annually
Main office
See officeMount Kisco NY
Advisors at this office
1
Most active in
New York
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
Advisors at this firm
Marina G
Series 63, Series 65
Estero, FL
M & I Financial Planning Services
Marina Galeano is a financial advisor at M & I Financial Planning Services in Estero, FL, with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has been with M & I Financial Planning Services since 2003. Outside of her advisory role, she has extensive experience as a housewife since 1990. M & I Financial Planning Services provides investment management and financial planning primarily to individual investors and family trusts. The firm manages approximately $16.8 million in discretionary client assets, focusing on a conservative, asset-preservation approach with moderate growth and consideration of clients’ overall financial situations.
Irwin M
Series 63, Series 65
Mount Kisco, NY
M & I Financial Planning Services
Irwin Milch is a financial advisor at M & I Financial Planning Services with 11 years of industry experience. He holds Series 63 and Series 65 designations and has been with M & I Financial Planning Services since 2003. Milch also maintains a long-term association with Gary Goldberg & Co., Inc. since 1997. M & I Financial Planning Services provides investment management and financial planning primarily to individual investors and family trusts. The firm employs a conservative, asset-preservation investment approach with discretionary portfolio management and considers clients’ broader financial situations including real estate, insurance, and tax factors.
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