Navigate wealth’s
new horizons.
Plan for the horizon, not the headlines.
Fiduciary, fee-only financial planning led by CERTIFIED FINANCIAL PLANNER™ professionals. We build plans that move with your life, for clients across the country.
In our clients’ words
★★★★★
“They’re patient, down-to-earth, and somehow manage to make financial planning feel way less intimidating…”
Kimberly M. Google review
★★★★★
“My experience with CSG has been truly exceptional.”
Mercy G. Google review
★★★★★
“…trustworthy, reliable, and always willing to roll up his sleeves to get the job done.”
Ian H. Google review
★★★★★
“What I like most about CSG and working with Steve is that they truly put client’s needs first.”
D.S. Google review
★★★★★
“He’s clearly an expert in his field, but most impressive was his ability to explain everything in simple, layman terms.”
Michael D. Google review
★★★★★
“…we feel so much more confident about our finances and our future.”
Moira F. Google review
★★★★★
“…They have the know-how talent to educate clients on complex financial topics which helped me feel more knowledgeable and in control of my finances. Thanks to the CSG Team, I have complete peace of mind knowing that my family is protected.”
Michael H. Google review
Excerpts from Google reviews, shortened but otherwise unedited. Reviews were selected by CSG Financial, are written by current and former clients, and may not be representative of other clients’ experiences. No compensation was provided to any reviewer. Reviews are not a guarantee of future performance or success.
Meet your planners
Three co-founders who left one of Delaware’s largest wealth management firms to build a planning-first, fee-only practice.
- Steven Calio, CFP®
Chief Executive Officer & Co-founder - Zachary Stone
Chief Financial Officer & Co-founder - Shane Galante, CFP®, MBA
Chief Operating Officer & Co-founder
Who we serve
We focus on three groups of clients. Each one is led by a founder who specializes in the decisions that group faces.
Retirees & pre-retirees
Retirement income, Social Security, taxes and estate planning, with a specialty in coordinating stock options, RSUs and ESPP shares with your retirement.
Led by Steven Calio, CFP®
Business owners & trades
Business owners, farmers and trades professionals: cash flow, retirement plans for you and your team, succession and planning for an eventual sale.
Led by Zachary Stone
Medical professionals
Planning for physicians, optometrists and advanced practice nurses: student loans and PSLF, 403(b) and 457(b) plans, practice ownership and protecting a high income.
Led by Shane Galante, CFP®, MBA
What sets us apart
We started CSG to fix what we saw go wrong for clients across the industry. These six commitments shape every recommendation we make.
Fiduciary
We act as fiduciaries at all times, with your best interest as the only consideration in the advice we give.
Independent
CSG is an independent advisory firm. No parent company or product shelf decides what we recommend.
Fee-only
Our clients are our only source of pay. We take no commissions or third-party incentives.
Comprehensive
Investments, taxes, retirement, insurance and estate planning are coordinated in one plan.
Flexible
Your plan adapts as your life and the economy change, rather than sitting in a binder.
No asset minimums
You don’t need a certain amount invested to work with us. Our minimum annual fee is $2,500, met through planning, investment management or both.
How we work together
We follow the CFP Board’s seven-step financial planning process, from a first conversation to a plan you’re acting on, and we keep adjusting it from there.
Understanding you
A free first conversation, then we organize your financial picture together.
Setting goals
We define your goals and decide which come first.
Analysis
We see where your current path leads and weigh the alternatives.
Recommendations
We build a plan that maps the route to your goals.
Presentation
We walk you through each recommendation and why.
Implementation
You get the tools to act, and we coordinate with your other professionals.
Monitoring
We track progress and update the plan as life changes.
