Chad Gammon
Advice-only planning and tax strategy for DIY pre-retirees, engineers and educators with a net worth of $2 million or less.
Custom Fit Financial LLC · Cedar Rapids, Iowa
Chad Gammon is a fee-only financial advisor at Custom Fit Financial LLC in Cedar Rapids, Iowa, who holds the CFP, EA and MBA credentials. Chad charges a subscription, a one-time planning fee and hourly fees (ongoing planning from $3,600 a year and $300 an hour) and focuses on retirement planning and tax planning.
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Specialties
Who they serve
- Pre-retirees
- Tech employees
- Retirees
About
Chad Gammon, CFP®, RICP® and EA, founded Custom Fit Financial, an advice-only, fee-only firm in Cedar Rapids, Iowa. After more than 25 years in information technology, much of it in leadership, he found his most rewarding work was mentoring others on money and careers.
Chad works with individuals and families with a net worth of $2 million or less, people larger firms often overlook. His services include budgeting, cash flow, insurance reviews, tax strategy and retirement planning, shaped to each client's situation. As a CFP® professional and Enrolled Agent, he handles complex tax and planning questions, and he is a member of XY Planning Network, NAPFA and the Fee-Only Network. He aims to act in clients' best interests and be open about any potential conflicts.
Facts
| Firm | Custom Fit Financial LLC |
|---|---|
| Based in | Cedar Rapids, Iowa |
| Fee model | Subscription · One-time planning fee · Hourly |
| Fees (firm's website) | Ongoing planning from $3,600 a year · $300 an hour · No asset minimum |
| Fees (Advice-Only Network profile) | Subscription $300 a month · Subscription $900 a quarter · Subscription $3,600 a year · One-time plans $3,600 · $300 an hour |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Credentials | CFP · EA · MBA · RICP |
| SEC registration | Investment adviser representative in IA · CRD 7646246 |
| Exams passed | Series 65 (2022) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | customfitfinancial.com |
| Profile |
How Chad's firm compares
- Ongoing planning starts at $3,600 a year, below the US median of $4,500 for fee-only firms that publish prices.
- A one-time plan starts at $3,600, above the US median of $2,000 for fee-only firms that publish prices.
- The hourly rate is $300, in line with the US median of $300 for fee-only firms that publish prices.
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Questions about Chad
Is Chad Gammon a fee-only financial advisor?
Yes. Chad Gammon is listed in the NAPFA directory (NAPFA admits only fee-only advisors), the XY Planning Network directory (XYPN members are fee-only) and the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Chad's firm.
How does Chad charge for financial advice?
Chad charges a subscription, a one-time planning fee and hourly fees.
How much does Chad charge?
According to Custom Fit Financial LLC's website, checked October 28, 2026: ongoing planning from $3,600 a year; $300 an hour; no asset minimum.
Does Chad work with clients virtually?
Yes. Custom Fit Financial LLC says on its website that it works with clients remotely.
Where is Chad Gammon based?
Chad Gammon is based in Cedar Rapids, Iowa.
What does Chad specialize in?
Chad's specialties include retirement planning and tax planning. Chad works with pre-retirees, tech employees and retirees.
What credentials does Chad Gammon hold?
Chad Gammon holds the CFP, EA, MBA and RICP credentials.
Is Chad Gammon registered with the SEC?
Yes. Chad Gammon is registered as an investment adviser representative in IA (CRD 7646246), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How do I contact Chad Gammon?
Through Chad's website, customfitfinancial.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- XY Planning Network directory listing : XYPN members are fee-only
- Advice-Only Network listing : advice-only practices, no product sales
- Custom Fit Financial LLC website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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