Charlotte Galamb, CDFA® is a Financial Advisor with Raymond James, in the firm’s Raleigh office. Charlotte believes the cornerstone of a successful client/advisor relationship is the mutual trust and respect that develops over time, and she is deeply committed to helping her clients pursue their long- term financial goals. She provides a comprehensive approach to custom personal investment planning, 401ks, restricted stock, incentive and non-qualified stock options, liability management, tax planning, trust planning, and wealth transfer to business owners, software executives, and retirees.

Charlotte employs the vast resources of Raymond James, one of the largest independent financial services firms in the nation, to bring the right expertise and tailored financial strategies designed to strive for her clients’ specific needs.

Prior to beginning her career in financial services in 2019, she worked as a marketing consultant for online education companies and small businesses in North Carolina and Virginia. She received her undergraduate degree from University of Lynchburg (previously Lynchburg College).

Originally from Raleigh, NC, she is active in the community as a volunteer for organizations such as Women in Networking (WIN), Cause for Paws, and is a passionate supporter of the National Kidney Foundation. She is a member of the Kildaire Swim and Racquet Club, and the Motley Tones. She enjoys the performing arts, tennis, kayaking and backpacking in the gorgeous mountains of NC, gardening, and is a self-professed craft beer lover. Charlotte and her husband, Ryan, live in Cary, North Carolina with their rescue dog Dampier.

Raymond James does not provide tax services. Please discuss these matters with the appropriate professional.

Get to Know: Charlotte

Go-To Drink? London Fog – earl grey and a splash of milk or a morning coffee with a splash of creamer & vanilla. After 5, I’m reaching for a gin and tonic or a local craft beer.

Biggest money pet peeve? When clients go after the hot investment rather than what is right for them.

Close-to-your-heart cause? The National Kidney Foundation and changing regulations to make an opt-out organ donation. My mom received a kidney transplant from an incredible living donor in 2019 and I have fallen hard for those giving such an incredible gift.

Proudest Client Moment? Getting to tell a client that she could afford her dream beach house and keep her home close to her adult children.

Why Divorce Financial Planning? Amidst the whirlwind of the pandemic, my in-laws faced an unexpected journey—divorce. My Mother-in-Law, amidst the chaos, found herself overwhelmed, struggling with trust, and with a whole lot of moving pieces to sort out. She didn't just want to be okay post-divorce; she wanted to be genuinely excited about life. So, together, we crafted a plan—more than just numbers, it was a roadmap to a life she could look forward to. Now, you'll find her happily dashing down to Disney, living the coastal dream, and adding a sprinkle of joy to her community. Because understanding her options wasn't just about financial security; it was about unlocking a future she couldn't wait to embrace.

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CDFA™ - Certified Divorce Financial Analyst®

Getting your affairs in order during a divorce is made easier with the help of a Certified Divorce Financial Analyst® (CDFA®). This certification emphasizes the analyst's ability to aid you in financial decisions and work with you and your attorney toward a settlement that fully addresses your long-term needs. By utilizing proprietary software and specialized knowledge, CDFA® professionals can help determine the short- and long-term financial impact of a settlement. They are able to create, analyze and forecast various scenarios to outline a fair settlement that will help protect your interests and potentially keep costs low and reduce the time it takes to work through a divorce.

Why should you work with a Certified Divorce Financial Analyst®?

When working with a CDFA™ professional, it means you are working with an advisor who understands the financial complexities you will experience during a divorce and will empower you to make educated decisions through the process which, in turn, can help save you time and money down the road. They can not only help you with decisions that need to be made for the short term, but also help forecast the long-term effects of the divorce settlement, including details of tax liabilities and benefits. Don't forget, CDFA™ professionals are financial advisors too. With the training, knowledge and experience as a financial advisor, they can help you make the most of the divorce settlement by reassessing your investments and financial plan to ensure it's aligned with your short- and long-term goals.