Who We Serve
Built for People Who Want More From Their Money
We’re redefining financial advice with clarity, strategy, and personal guidance — so your wealth supports the life you want, not the other way around.
Built for Every Stage of Wealth
Whether you're building wealth or nearing retirement, our guidance
adapts to your goals with clarity and confidence.
Families Managing Multiple Priorities
Families often juggle college planning, aging parents, protection needs, and long-term goals at the same time.
Penmar Wealth Management organizes these priorities into a clear, actionable plan so families understand what to focus on today and what can be addressed over time.
Business Owners
A business can be both an asset and a liability.
The firm helps business owners optimize taxes, structure retirement plans, improve cash flow decisions, and integrate personal and business finances into a cohesive long-term plan.
High-Income Professionals in Their 30s to 50s
Professionals with strong earnings often face increasing financial complexity.
Penmar Wealth Management simplifies investment decisions, tax considerations, equity compensation planning, and long-term wealth building, creating a framework that supports both current demands and future priorities.
Retirees and Pre-Retirees
Transitioning into retirement requires a plan that is stable, tax-efficient, and easy to understand.
The firm develops retirement income strategies, evaluates withdrawal options, aligns portfolio risk with lifestyle needs, coordinates Social Security decisions, and provides long-term clarity on how assets support each stage of retirement.
High-Net-Worth Investors
Clients with significant assets often need a more coordinated and intentional strategy.
Penmar Wealth Management consolidates complex accounts, manages risk across portfolios, incorporates tax planning, and organizes long-term goals within a unified structure.
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.