Penn First Advisors

Penn First Advisors provides financial planning and investment management to individual clients, addressing cash flow, insurance, employee benefits, retirement, taxes, and estate preservation. The firm issues written financial plans and offers investment advice across stocks, bonds, mutual funds, certificates of deposit, fixed and variable annuities, and variable life insurance for both qualified and non‑qualified accounts.

The firm builds investment policy statements and emphasizes asset allocation, diversified portfolio structure, the use of multiple specialist managers, and tax‑aware strategies, with rebalancing performed only with client approval. Accounts are implemented through SEI Private Trust Company, which supplies monthly custodial statements and quarterly performance reports, and the adviser manages client assets on a non‑discretionary basis rather than exercising trading discretion.

Penn First is affiliated with related businesses, including an insurance company and a mortgage company, and the firm discloses that referrals to those affiliates can result in commissions, creating a potential conflict of interest that is disclosed to clients. The firm also reports limited custody solely because advisory fees are deducted by the custodian, does not vote client proxies, and combines a primarily non‑discretionary management model with a notable emphasis on insurance‑linked products, distinguishing it from many independent peers.