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  • Risk Analysis
  • Money Access Plan
  • Estate Planning
  • Financial Planning

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ABOUT

The GFS Financial Advisors, LLC (GFS) family has two entities to serve your financial needs in a holistic way. 

GFS FINANCIAL ADVISORS, LLC

Donald Galade

Donald A. Galade

CEO

 

1-866-249-4046

We Offer

Financial Planning

A financial professional can apply his or her skills to your specific needs. Just as important, you have someone who can answer questions about things that you may find confusing or anxiety-provoking. When the financial markets go through one of their periodic downturns, having someone you can turn to may help you make sense of it all.

Retirement Planning

You may have a very idealistic vision of retirement planning–doing all of the things that you never seem to have time to do now. But how do you pursue that vision? There’s good news: Retirement planning is easier than it used to be, thanks to the many tools and resources available. Here are some basic steps to get you started…

Create Your M.A.P.

Having a plan to get at what you need when you need it is the core of financial planning. Developing a “Money Access Plan” or M.A.P. is essiential.

Donald GaladeDonald A. Galade routinely attends intense training sessions that deal exclusively with financial needs of retirees and the latest strategies designed to meet those needs in retirement. He has written a book called, In God We Trust, In the Dollar We Worship, which is a narrative about what the Bible teaches us about money as it relates to his career as a financial advisor. Copies of this book can be obtained upon request.

Donald A. Galade has served as a music director and an advisory board member of Faith Assembly of God Church in Hazle Township, PA as well as Vice President of Pennsylvanians for Human Life, a former board member of Unico and is a former member of Kiwanis and Rotary clubs.

Generally two ways of obtaining financial advice: one is given by stockbrokers, and the other is given by Investment Advisors. While many investors aren’t even aware differences exist, one of the main differences is that investment advisors have a fiduciary duty to act in the best interests of their clients at all times.

An RIA is legally bound to work in your best interest. Under the Investment Advisers Act of 1940, registered investment advisors are held to a fiduciary standard of care. By law, they must ensure that each investment recommendation they make is based on your best interest. In the event that a conflict of interest should arise, RIAs are required to let you know. Additionally, they are required to have a written code of ethics that governs their actions and fully discloses how they are compensated

The GFS Financial Advisors, LLC (GFS) family has two entities to service your financial needs in a holistic way. Donald A. Galade is President of Galade Financial Services, Inc.*, and CEO of GFS Financial Advisors, LLC, a registered investment advisory firm. GFS is an independent Registered Investment Advisor. Our mission is to provide the families and businesses we serve with innovative financial strategies, solutions, and planning that result in financial clarity and security.

At GFS, we believe no two investors are alike. In order to help each client meet their financial goals, we base our process on a client-focused personalized approach using multiple investment strategies.

  • Our advice and recommendations are tailored to our clients’ investment goals, desired return objectives, risk tolerance, time horizon, cash requirements and tax situation.
  • Our investment strategy is designed based on your long-term investment goals of preserving principal, maximizing income or accumulating capital.
  • As a fiduciary, we have an obligation to ensure the appropriate products are chosen based on the client’s best interest.
  • We develop your personalized asset allocation model based on individual risk tolerance, objectives and financial needs.
  • Our goal is to maximize your investment returns while minimizing your risk through diversification of your assets.
    *Insurance products and services are offered through Galade Financial Services Inc.

We’ve made it our mission to help provide our clients with complete financial peace of mind. This is accomplished through holistic philosophy; focusing on relationships, respect, commitment, confidence and expertise. GFS strategies focus on accumulation, distribution, protection and performance, but most importantly asset allocation and protection.

We focus on the big picture for our clients, considering all aspects of financial planning, not just your investments. That’s why we review recent tax returns, all investment plans, your existing debt structure, short and long term savings vehicles, insurance plans and legacy documents, to ensure each client has a comprehensive and customized plan that meets their individual goals.

GFS strives to educate our clients on all financial vehicles available in today’s market. Using these vehicles effectively, we then build a customized M.A.P. (Money Access Plan) which becomes the blueprint for the future.

Our firm does not give legal advice, but we have partners who do. Our firm does not give tax advice, but we have partners who do. We work for our clients, not financial institutions. Our clients are presented with accurate and complete information when formulating financial strategies as well as ensuring these strategies are properly implemented.

As specialists in life insurance and wealth transfer strategies, we help you understand the impact your financial position will have on your heirs and how to make sure your nest egg takes care of you and those you care about most.

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Dealing with Periods of Crisis

What is it? By definition, a crisis is a turning point, a time when you have to make crucial decisions (often suddenly) that will affect your future. Although smart planning is the key to effectively dealing with periods of crisis, you may find yourself suddenly dealing with an unexpected event that you didn’t prepare for, […]

Aging Parents

Caring for your aging parents is something you hope you can handle when the time comes, but it’s the last thing you want to think about. Whether the time is now or somewhere down the road, there are steps that you can take to make your life (and theirs) a little easier. Some people live […]

Challenges for Social Security and Medicare

New Reports Highlight Continuing Challenges for Social Security and Medicare Most Americans will receive Social Security and Medicare benefits at some point in their lives. For this reason, workers and retirees are concerned about potential program shortfalls that could affect future benefits. Each year, the Trustees of the Social Security and Medicare Trust Funds release […]

How do I talk to my elderly parents about their finances?

Answer: Talking to your parents about money is always difficult, especially when the money you’re talking about is theirs. They belong to a generation that was taught to keep their information private and not to share their concerns openly. Even if they need help, they may be unwilling to talk to you because it’s “none […]

Social Security: What Should You Do at Age 62?

Is 62 your lucky number? If you’re eligible, that’s the earliest age you can start receiving Social Security retirement benefits. If you decide to start collecting benefits before your full retirement age, you’ll have company. According to the Social Security Administration (SSA), approximately 72% of Americans elect to receive their Social Security benefits early. (Source: […]

All About Credit Scores

It’s difficult to imagine functioning in today’s world without credit. Whether buying a car or purchasing a home, credit has become an integral part of our everyday lives. Having easy access to credit goes hand in hand with having a good credit score, so it’s important to know how to maintain a positive credit score […]

What is an advance directive for health care, and will it help me avoid court involvement during incapacity?

What is an advance directive for health care, and will it help me avoid court involvement during incapacity? Answer: At some point in your life, perhaps as a result of illness, accident, or advanced age, you may lack the mental capacity to make or communicate responsible decisions about your own health care. Without directions to […]

Social Security Myths

Myth: Social Security will provide most of the income you need in retirement. Fact: It’s likely that Social Security will provide a smaller portion of retirement income than you expect. There’s no doubt about it–Social Security is an important source of retirement income for most Americans. According to the Social Security Administration, more than nine […]

Why do people buy annuities?

 Why do people buy annuities? Annuities are insurance-based financial vehicles that can provide many benefits sought by retirement-minded investors. There are a number of reasons why people buy annuities. Deferral of taxes is a big benefit, and so is the ability to put large sums of money into an annuity — more than is allowed […]

Private Foundations

What is a private foundation? A tax-exempt entity operated for charitable purposes Private foundations are tax-exempt entities, just like hospitals or universities. What makes them different from organizations that are known as public charities is that private foundations are set up, funded, and controlled by a single individual, family, or corporation. By contrast, public charities […]