Penny Earned Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
8
13% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
8
Average account size
$0
About
Penny Earned Financial is a fee-only, single-advisor firm that provides comprehensive financial planning to a small roster of clients, including high‑net‑worth individuals and business owners. Services are offered as ongoing or project‑based engagements and include retirement and estate planning, tax‑aware planning, insurance and cash‑flow analysis, business planning, and investment analysis.
The firm’s planning process references modern portfolio theory and may include recommendations for passive funds, mutual funds, ETFs, and socially responsible investments, but PEF does not provide discretionary portfolio management or execute trades on client accounts. Clients receive a written financial plan and are expected to implement recommendations through custodians or third‑party professionals; the firm does not accept custody of client assets.
Noteworthy departures from many peers are that PEF does not manage assets on a discretionary basis and does not use percentage‑of‑AUM fee structures, relying instead on fixed recurring and project fees for planning work. The firm is unusually small in scale—one CFP®‑credentialed principal with a very limited client roster—and the principal’s continuing full‑time employment outside the advisory business is disclosed and presented as consistent with a planning‑only practice.
Client services
Financial planning
Expertise
Business ownership considerations
Business exit / sale strategy
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Occupation focus
Founder/Business Owner
Fee options
Fixed fees for project-based financial planning ranging from $1,500 to $8,000
N/A - N/A: N/A
Minimum fee: Monthly recurring fixed fee ranging from $250 to $1,000 for ongoing financial planning Fee-only: Fixed fees for financial planning services
Main office location
Penny Earned Financial
Fort Belvoir VA, United States
Number of offices
1
Most active in
Penny Earned Financial has reported serving >5 clients in these states in the last 12 months.
Texas
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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