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As you reach the different transitions of your life: working first job, freelancing, business owner, marriage, children, college savings, buying a home, divorce, retirement - you want to make sure you are prepared financially.  With so many options, banks and financial firms, it’s easy to be overwhelmed and not do anything or purchase products your don’t understand. 


If you are looking for a truly completely independent financial expert (i.e. no sales pitch, no selling of investments), you’ve come to the right place! It doesn’t matter if you have $0 or $1,000,000 - we’ll work with you.


I’m Galia Gichon, Founder of Down-to-Earth Finance. I’ll get straight to the point – I’m passionate about helping people take control of their personal finances without selling investments or manage money. Plus we’ll make it easy, seamless and fun (really!). ​I’m a pro when it comes to explaining personal finance, and I’ve got the experience, expertise and compassion to make sure you achieve practical and successful money goals.


Contact us if you:


• are ready to finally control your money – instead of other way around

• are ready to take care of yourself and your family financially 

• are ready to manage your investments or start investing (we focus on no-load, low expense ratio mostly index mutual funds and ETFs)

• are ready to plan for retirement, figure out how to save annually and which retirement plan is best for you (including old 401Ks and IRAs)

• are ready to tackle other areas such as home finance, college savings, credit report, and insurance.

• are ready to work with personal finance experts who will hold you accountable, create practical action plans and support you through your money process.

• are ready to conquer your financial fears

• want to save TIME and SIMPLIFY your financial life

• FIND more money in your spending, income and investments


We simply work on an hourly basis- regardless of how much money you have saved.  

Schedule a 15 minute phone call so we can learn more about your personal finances and how we can help you

Schedule an hour consultation 

Independent financial planning for budgets, no-load mutual funds, retirement planning, home finance, insurance, college savings, cash flow management and more.  We do not sell any investments or manage money and have over 20+ years experience in financial services and an MBA in Finance. We simply charge by the hour. We meet via Zoom, phone or in person in Westport, CT or limited availability in NYC.

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