Information about Our Service

GL Advisor’s unique service helps professional graduates manage their student loans and make sound financial decisions.

GL Advisor is a unique service designed to help professional graduates navigate financial issues and make the best decisions regarding debt. With expertise in the management of repaying student loans, GL Advisor assists clients with lowering the cost of their student loan debt through structured repayment strategies and the utilization of federal student debt relief programs, as appropriate. Our service also spans beyond student debt and provides clients with comprehensive financial planning, tax preparation services and professional investment advice.

Who We Help

GL Advisor assists professional graduates with managing the repayment of their student loans and navigating other financial decisions. We specialize in helping busy professionals, specifically medical, dental, veterinary and law school graduates, who have accumulated a significant amount of student loan debt and want to ensure repayment is effectively managed as part of a comprehensive financial plan.

How We Help

Most financial advisors focus their attention on just one side of the financial net worth equation, often neglecting an individual’s liabilities in favor of increasing their assets. This approach and a general lack of experience on how to address the needs of young professionals with high student debt levels can lead to costly financial missteps.

GL Advisor takes an integrated approach that addresses both assets and liabilities, focusing specifically on the critical decisions and strategies that will have the greatest financial impact. We provide our clients with advice and support to minimize the cost of student loan debt, increase liquidity through payment relief as needed and save them time so they can focus on their career.

GL Advisor advocates the use of federal student debt relief programs such as Income-Based Repayment (IBR) and Public Service Loan Forgiveness (PSLF) as appropriate. These debt relief programs are often overlooked and underutilized due to misinformation and a lack of awareness among professional graduates. GL Advisor works on behalf of our clients to help them obtain the maximum savings and lowest payments afforded through these programs and to keep clients informed of new or amended legislation that provide additional opportunities.

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What We Provide

If you choose to get started with a free personalized assessment, we will perform an analysis of your educational debt portfolio and other information to provide:

If you choose to retain GL Advisor for a low fee, we will conduct an in-depth, comprehensive analysis of your financial portfolio and provide you with the following:

As a client, you receive an integrated financial plan designed to lower the cost of your student debt and improve your overall financial position. Included in your plan is access to a personalized client dashboard comprised of account notifications and action items, a graphical snapshot of your aggregate debt, a customized timeline of your financial plan, as well as a summary of your reported assets and liabilities. In addition to a dashboard, you will receive a comprehensive packet that supports the structuring of your loans and repayment plan in accordance with our recommendations.

The Action Items list is a dynamic set of steps and tasks to help you keep your plan on track so you can achieve your financial objectives.

Personalized graphs highlight progress and forecast future economic benefits resulting from your integrated financial plan.

Your personalized timeline displays current and future activities to help you plan for upcoming events.

When you sign up as a GL Advisor client, you will be assigned a personal advisor who will provide support and be available to answer any questions. Our advisory team is comprised of student loan industry experts and other financial services professionals who are dedicated to helping you implement your plan. Your advisor will also coordinate specialized support with product experts to ensure your needs are met.

An experienced, licensed advisor will prepare and file your annual federal and state tax returns. Very few tax professionals or online tax preparation tools understand the nuances of repaying student loans and federal student debt relief programs and how your savings can be affected by the filing of your taxes. Our in-depth analysis of your student debt portfolio enables us to provide guidance on your tax filing to ensure all student loan related benefits are considered. We will identify the optimal approach and prepare your taxes as part of our service.

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Our insurance assessment and consultations are designed to help new professionals determine coverage levels, examine policy benefits and compare carriers. We have found that many young professionals often work with insurance agents aligned to a particular carrier and therefore may not obtain the best policy for their needs. Our objective comparison includes quotes from the top carriers in the market, allowing you to evaluate your options to make better decisions. We can also review your coverage with you annually to ensure that you have the proper coverage for your current and future needs.

As part of GL Advisor’s service, we provide clients with investment advice and support for short and long term financial planning, as appropriate. We have licensed investment professionals on staff that will evaluate your financial portfolio and determine if you are in a position to utilize your discretionary funds for investments, savings, or paying down specific debts. Retirement account planning and early stage investing are often the main areas of focus for many young professionals. It is critical to understand the potential implications of tax deferred accounts on the cost of your student loan debt and why traditional investing strategies may not yield the highest returns for your net worth. Our integrated approach ensures these factors are considered when developing an investment strategy.

Young professionals face a variety of financial decisions, a majority of which GL Advisor can assist with by providing clients with the necessary support and framework to ensure an optimal economic outcome. One example is the decision of purchasing a home. The current financial and housing markets have added complexity to the rent vs. buy decision and a thorough analysis of the economic tradeoffs of each is often required. Additionally, the structure and documentation of your student loan debt can impact the ability to obtain the best mortgage. Another decision some clients may face is choosing between multiple job opportunities. Comparing job offers from a financial perspective is important but common approaches are often inaccurate, as job offers can be difficult to quantify because they are rarely standard in terms of bonuses, loan repayment support, moving allowances etc. GL Advisor can provide a quantitative analysis that allows you to make an accurate and equitable financial comparison. Objective and analytical support for these and other decisions is a valued aspect of our service that benefits our clients who are busy focusing on their careers.

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