Cantlon Financial Planning provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 51–100 clients last fiscal year.
Cantlon Financial Planning reports 99 individuals. Of its assets, 100.0% ($125M across 267 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 100% | 100% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 99 | $125M | 100.0% | $1.26M |
| Total | 99 | $125M | 100% | $1.26M |
- Clients
- 99
- Regulatory AUM
- $125M
- AUM share
- 100.0%
- Avg. per client
- $1.26M
Total
- Clients
- 99
- Regulatory AUM
- $125M
- AUM share
- 100%
- Avg. per client
- $1.26M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Cantlon Financial Planning is paid through a percentage of assets under management. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure.
Thomas Guyett owns 25% to 50% of Cantlon Financial Planning. The leadership team of Cantlon Financial Planning includes Chief Compliance Officer Robert Gephart. It has 3 employees.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- 1 insurance agent
- Owns 25% to 50% of Cantlon Financial Planning LLC
Thomas Guyett
Control person · since May 2005
- Owns 25% to 50% of Cantlon Financial Planning LLC
Robert Gephart
Control person · since January 2015
- Owns 10% to 25% of Cantlon Financial Planning LLC
Michael Cantlon
Control person · since December 1983
Cantlon Financial Planning’s regulatory assets grew from $113M (February 2025) to $125M (January 2026); clients were 99 in both filings and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jan 2026January 2026 | $125M | 99 | 3 | 2 |
| Feb 2025February 2025 | $113M | 98 | 3 | 2 |
Besides its headquarters, Cantlon Financial Planning has 1 office (1 private residence, listed without an address), with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Cantlon Financial Planning LLC
- Headquarters
- Not reported
- Website
- cantlonfinancial.com
- Phone
- 630-584-4508
- SEC file
- 801-132223
- Structure
- Illinois LLC
- Fiscal year end
- December
Cantlon Financial Planning’s named custodian for separately managed accounts is Fidelity ($125M). Cantlon Financial Planning does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $125M100%
At year end, Cantlon Financial Planning’s separately managed accounts were mostly in stocks (73%) and cash (17%).
What the accounts hold
- Stocks73%
- Bonds4%
- U.S. government and agency bonds2%
- Investment grade corporate bonds2%
- Cash17%
- Other6%
- Derivatives6%
How many clients does Cantlon Financial Planning have?
Cantlon Financial Planning has 99 clients and manages $125 million for them, as of January 2026. They include 99 individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 27 January 2026
What services does Cantlon Financial Planning offer?
Cantlon Financial Planning provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Cantlon Financial Planning use?
Cantlon Financial Planning’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $125M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 January 2026
How many financial advisors does Cantlon Financial Planning have?
Cantlon Financial Planning has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Cantlon Financial Planning invest in?
At the end of its last fiscal year, Cantlon Financial Planning’s separately managed accounts held 73% exchange-traded equities, 17% cash and equivalents, 6% derivatives, 2% U.S. government and agency bonds and 2% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Cantlon Financial Planning?
Cantlon Financial Planning’s direct owners are Michael Cantlon, Thomas Guyett and Robert Gephart, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 27 January 2026
How does Cantlon Financial Planning get paid?
Cantlon Financial Planning is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Cantlon Financial Planning?
Its phone number is 630-584-4508. Its website is cantlonfinancial.com.
