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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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 Fundamental 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.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
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.
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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Meet The Advisor
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
Simply complete the fields and run a quote.
Step One
Simply complete the fields and run a quote.
Step One
Simply complete the fields and run a quote.
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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
Events in February–April 2026
- There are no events scheduled during these dates.
Our Downloads
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!
Our Blog
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
