Our Process & Services
A Smarter Process. A Plan Built Around Your Life.
Financial planning shouldn’t feel overwhelming. Our approach makes it simple, personal, and built entirely around your goals — today and for every chapter ahead.
A Plan That Works for Your Life
At Penmar Wealth Management, we believe financial advice should be clear, thoughtful, and grounded in what matters most to you.
Whether you’re nearing retirement, already retired, or building wealth for the decades ahead, our process is designed to meet you where you are and guide you toward where you want to go — with clarity, confidence, and purpose.
Our Process
Whether you’re nearing retirement, already retired, or still building wealth, our process meets you where you are — and evolves as your life does.
Discover & Alignment
We begin with a thoughtful conversation to understand your goals, priorities, concerns, and overall financial picture. This step ensures we’re aligned on what matters most to you before making any recommendations.
Risk & Portfolio Review
We review your existing investments through the lens of risk, diversification, and alignment with your goals. This helps identify potential gaps, inefficiencies, or exposures that may not be obvious at first glance.
Strategy & Planning Design
Using insights from the discovery and review process, we design a personalized strategy focused on long-term growth, income planning, tax efficiency, and risk management based on your unique needs.
Implementation & Coordination
Once a plan is agreed upon, we handle implementation and coordinate across accounts, custodians, and existing professionals as needed. Our goal is to make execution seamless and stress-free.
Ongoing Review & Evolution
Your financial life evolves, and your plan should too. We provide ongoing monitoring, regular reviews, and proactive adjustments to help ensure your strategy stays aligned as markets and life circumstances change.
Our Core Services
We help clients across all stages of wealth make smarter decisions and build plans that evolve with them. Our core services include:
Risk Management
Strategies to safeguard your wealth and prepare for the unexpected, including options for income replacement and long-term care.
Retirement Income Strategies
Transform your savings into a paycheck you can count on, built to adapt as life changes.
Investment Management
Evidence-based strategies designed to grow and protect wealth while minimizing unnecessary risk and taxes.
Comprehensive Wealth Planning
A custom roadmap that aligns your money with your life. We factor in your goals, timeline, taxes, income needs, and legacy wishes.
Your Wealth Game Plan
Your next smart move might start with the right guide. Explore free resources designed to give you clarity and confidence:
Large IRAS:
3 Key Planning Opportunities
There are several planning avenues for tax-efficient strategies related to traditional IRAs. While we won’t provide an all-inclusive examination of those techniques here, these pages will explore three of the primary tax planning opportunities with traditional IRAs of at least $1 million.
Tax Planning for
Federally Taxable Estates
A common estate planning concern of many high net worth individuals is the ability to leave more to their loved ones by limiting the amount of their assets that will be subject to federal estate taxes.
Additional resources include:
Navigating Market Volatility
Market volatility makes some investors nervous. Logically, we know markets go both up and down and that reaping the rewards of investing comes with a degree of risk. That’s easy to remember in times of growth, but it’s much harder when market volatility arrives and we feel compelled to take action based on emotions, not logic.
Understanding Required Minimum Distributions (RMDs)
Nearing 73? Don’t let required minimum distributions (RMDs) disrupt your 73rd birthday plans! Help yourself be prepared by downloading this guide.
Strategies to Help Reduce Estate Taxes Through: Gifts, Loans, and Sales
When navigating the complex world of estate taxes, it’s important to consider both the immediate and future impacts.
Guide to Irrevocable Trusts
Irrevocable trusts are used for estate and/or income tax planning, asset preservation, and for control over the disposition and use of funds that were gifted to or inherited by beneficiaries.
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.