Penny Earned Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
8
13% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
8
LowAverage account size
$0
About
Penny Earned Financial is a fee-only, independent, solo-advisor firm that provides comprehensive financial planning services to individuals and high-net-worth individuals. The firm maintains a very small client base and does not provide portfolio management or custody of client assets, instead delivering recommendations as part of planning engagements.
The firm’s planning process relies on Modern Portfolio Theory concepts and emphasizes asset allocation, passive index funds, and mutual fund/ETF analysis, with the option to incorporate socially responsible (ESG) considerations when clients request them. Because the firm does not place trades for clients, recommended implementations are carried out by clients through their chosen custodians, and plan reviews are performed periodically or when clients report material changes.
What is noteworthy about this firm is its compensation and client focus: it uses fixed recurring and project-based planning fees rather than percentage-of-AUM billing, and its client mix is concentrated toward high-net-worth individuals rather than non‑HNW retail clients. The practice is recently established and run by a single planner who also has outside full‑time employment, a conflict the brochure notes is mitigated by the firm’s lack of discretionary trading.
Client services
Financial planning
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Social Security optimization
Fee options
$1,500 to $8,000 per project (project-based financial planning)
Minimum fee: $250 to $1,000 per month (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 · Virginia
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:
-
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.
-
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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