Diversity. Faith. Financial Stability.

Specializing in Retirement Income, Long-Term Care and Life Insurance Planning
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Retirement Planning

GAL Financial

We specialize in empowering people of faith, especially women — helping them design a confident path to live their best retirement.
Retirement planning often feels overwhelming because everything lives in your head at once. Questions. Unknowns. Decisions you know you should make but are not sure how to start. When nothing is anchored, it all feels heavier than it needs to be.
A visual framework changes that. When ideas are laid out visually, the process slows down. You can see the pieces instead of juggling them. What once felt abstract becomes concrete. What felt intimidating starts to feel manageable.
For many women, this is where calm enters the process. Seeing your options helps you understand your priorities. It creates order without pressure. It allows you to think through decisions without feeling rushed or behind.
A visual framework is not about locking yourself into a plan. It is about creating clarity. A way to explore what matters, what comes next, and what can wait.
When you can see the path, even loosely, planning stops feeling overwhelming and starts feeling supportive.
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Retirement With Confidence

Our Planning Process

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

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Start Smart

02

Apply Discipline

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Communicate Progress

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Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Findamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Need some clarity regarding your retirement goals? Take 15 minutes to visualize your retirement with this tool: This is the nudge you have been waiting for.
READY 2 RETIRE

LONGEVITY

LIQUIDITY

INFLATION

MARKET

MORTALITY

TAXES

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Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Our Services, Your Future

We take the time to thoroughly explore your needs no matter the stage of life you are in to help provide a custom tailored solution that we continue to monitor and adjust until the end of time.
It’s easy to start the process. All we need is 9 pieces of information. Use our digital data gathering tool. Click the button below.
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Retirement Planning
No matter where you are in life, we can provide you the guidance, tools, and services to help prepare for retirement on your terms.

Learn about income strategies for guaranteed lifetime income that can help you maintain your lifestyle now and in retirement.

Life can change – the birth of a child, the death of a loved one, the loss of a job, a major purchase – which will readjust your customized strategy.

Are you in or near retirement? Learn how annuities can help generate a reliable stream of income or increase your current savings.

A reliable insurance strategy could help protect you and your family from the financial consequences of major life events.

We can help you understand your Social Security benefits and educate you on how you can maximize those retirement benefits.

Long-Term Care
Chances are you could live well into your 80s and 90s, or longer. A long life greatly increases the likelihood you’ll require long-term health care.
I’m an instructor with Adult Financial Education Services (AFES), specializing in planning and guidance for those who are seeking a better lifestyle and a guaranteed income in retirement.

Learn how to preserve your housing allowance with IRS code 107. Create lifelong security for you and your family while you are working and even after you retire.

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03

Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.

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Here For You

Meet The Advisor

Grace Longo

President

Grace has over 33 years of working in the financial services industry and 20 years of working with clients one on one. She has worked in the healthcare and teacher markets and spent 12 years with the Church Pension Group serving Lay and Clergy. She’s provided hundreds of people with retirement planning support. She has been a presenter and content creator for financial wellness conferences.
Grace is now an independent agent continuing to work with members of the Episcopal Church. She’s provided hundreds of people with retirement planning support. She has been a presenter and content creator for financial wellness conferences.

She’s acquired many letters after name including:

  • Chartered Financial Consultant (ChFC®)
  • Retirement Income Certified Professional (RICP®);
  • Certification in Long-Term Care (CLTC® )
But these credentials are not what is most important to her. Her true passion is teaching the best solutions and inspiring people to take control of their finances. She’s no stranger to the events that change the course of one’s life: marriage, children, debt, divorce, and death of a family member. Her experiences give her empathy for where her clients are in their own lives. She believes that being a personal financial advisor requires being personal and listening intently to people’s stories.
She prides herself in her ability to make life-changing financial decisions with her clients. She specializes in empowering people, especially women — teaching them what they need to know to feel great about the decisions they make.
Grace is located in Westmont, NJ and has two adult children, a dog and a cat.

Get a Life Insurance Quote

Life insurance made easy. Get affordable coverage with our simple online quoting tool and application—quick, hassle-free, and on your terms. Apply on your own or connect with our expert team, who’s here to guide you every step of the way.

Step One

Step Two

Step Three

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Retirement Resources

Complimentary Educational Resources

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Our Upcoming Events

There are no events currently scheduled.

Our Social Security Guide

Optimizing Social Security In Today’s World

Claiming Social Security at the wrong time could cost you tens of thousands over your retirement—and you may not even realize it. This guide shows how the right strategy can unlock more income, more security, and greater confidence in your financial future. Make sure you get what you’ve earned!

 
Get Our Guide

Our Blog

10 Ways to Teach Kids Financial Literacy

How to Stick to Financial Resolutions

Should I consider a Roth IRA Conversion?

Roth Readiness Quiz

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