S
Stephen P Galib CRPC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
35
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
35
Average account size
$0
About
The firm provides financial planning and investment advice to individual clients and to related estates and trusts, covering budgeting, insurance, investment allocation, estate planning, and retirement and college goals. It also offers annuity analysis on request and prepares written reports of recommendations and net worth statements for clients.
Investment advice centers on strategic, broadly diversified allocations to mutual funds and ETFs, drawing on research from Morningstar and Fisher Investments, and incorporating client time horizons, preferences, and risk tolerance. The firm generally avoids frequent trading and individual stock recommendations but discloses an uncommon tactical approach that may shift allocations early in suspected bear markets.
What distinguishes this practice from many peers is that the advisor does not manage or custody client assets and does not accept discretionary authority; clients implement trades themselves or authorize execution in limited, client-specified circumstances. The firm also uses an hourly billing model rather than percentage-of-assets fees, discloses a part‑time tax-preparer role for the principal, and documents a personal relationship to a Fidelity fund manager while stating a policy to avoid recommending relatives’ funds.
Client services
Financial planning
Market timing
Fee options
$140 per billable hour
Fee-only: $140 per billable hour
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Main office location
Stephen P Galib CRPC
Pittsfield MA, United States
Number of offices
2
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")