Our Investment Philosophy
Penmar’s approach is built on research, clarity, and consistency to help clients make better decisions and stay invested through market cycles.
Built for Every Stage of Wealth
Whether you’re growing assets or planning for retirement, our guidance adapts as your life and priorities evolve.
Evidence-Based Strategy
Investment decisions are grounded in academic research, global diversification, and a disciplined process. The focus is long-term results, not reacting to short-term market noise.
Aligned With Your Risk Comfort
Every portfolio starts with a clear understanding of risk tolerance, time horizon, and financial goals. Allocations are designed to feel appropriate, sustainable, and aligned with real-world behavior.
Long-Term Focus, Short-Term Discipline
Portfolios are built for long-term objectives, while short-term decisions rely on discipline, rebalancing, and risk management rather than emotion or headlines.
Tax-Smart Investing
Tax efficiency plays an important role in building and preserving wealth. Asset location, account selection, and tax-loss harvesting are evaluated when appropriate to help clients keep more of what they earn.
Transparent and Simple Fees
Fees are straightforward, fully disclosed, and designed to align incentives. There are no commissions, hidden costs, or unnecessary complexity.
Your Next Step
Anyone seeking more clarity around investments or financial planning is welcome to schedule an introductory call. There is no cost or obligation. The call provides an opportunity to understand the firm’s approach and determine whether the partnership feels like a good fit.
Frequently Asked Questions
We help clients across all stages of wealth make smarter decisions and build plans that evolve with them. Our core services include:
Is this a good fit if I’m earlier in my career or still building wealth?
Yes. We work with individuals and families at different stages of wealth, including those who are actively building assets and planning ahead. If you have meaningful savings, increasing income, or a more complex financial picture, our process is designed to provide clarity and evolve as your goals change over time.
What if I already have an advisor?
That’s completely fine. Many clients come to us for a second opinion or to better understand how their current strategy aligns with their goals. In some cases, we help identify gaps or opportunities. In others, we provide confirmation and peace of mind. There’s no obligation to make changes.
How much does it cost to work with Penmar Wealth Management?
Our fees vary based on the scope of services and the complexity of your financial situation. We believe in transparent pricing and will clearly outline all costs before any advisory relationship begins. The initial conversation is designed to understand your needs and determine whether working together makes sense.
Can I still grow my wealth if I’m already retired?
Yes. For many retirees, the focus shifts from accumulation to creating sustainable income, managing risk, and preserving flexibility. Our approach considers growth, income planning, and risk management together to help support your lifestyle throughout retirement.
Do I have enough savings to retire?
That depends on several factors, including your goals, spending needs, timeline, and how your assets are structured. Our planning process is designed to help answer this question with clarity by evaluating your current resources and mapping them to realistic scenarios, rather than relying on simple rules of thumb.