Pensinger Financial, Inc. logo

Pensinger Financial, Inc.

Updated today
Find your advisor

Client assets under management

$48,738,385

More info

Clients

79

10% high-net-worth

Advisors

2

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

More info

Clients per advisor

40

Typical

Average account size

$616,942

About

Pensinger Financial provides investment advisory and financial planning services to individuals, high-net-worth individuals, and small businesses. The firm offers ongoing portfolio management—including the preparation of an Investment Policy Statement and discretionary trading authority—and standalone hourly financial planning on topics such as retirement, tax considerations, insurance, and college funding.

The firm’s investment approach is grounded in efficient market theory and modern portfolio theory and emphasizes long‑term investing primarily through mutual funds and ETFs, with a focus on indexed equities and fixed income. Pensinger Financial documents risk tolerance and goals in client Investment Policy Statements, monitors portfolios regularly, and conducts at least annual portfolio reviews.

Noteworthy aspects in the brochure include serving small-business clients in addition to individuals and the firm’s disclosure that it may enter into referral or solicitor arrangements with unaffiliated professionals, which can affect how clients are introduced. The brochure also discloses an account minimum ($250,000), use of a recommended custodian (Altruist Financial LLC), and a written Code of Ethics that frames how potential conflicts and personal trading are managed.

Client services

Financial planning Portfolio management Educational seminars or workshops

Expertise

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting

Want help finding the right advisor?

Answer a few questions to see advisors matched to you.

Find your advisor

Fee options

Percentage

$0 - $250,000: 1.50% $250,001 - $2,000,000: 1.25% $2,000,001+: 1.00%

Project-based

$250 per hour (financial planning services)

Other

Account minimum: $250,000

Main office location

Pensinger Financial, Inc.

Lemont IL, United States

Number of offices

1

Most active in

More info

Illinois

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Facebook X Website 630-754-7580

Advisors at this firm

Scroll left Scroll right
user avatar

Michael P

Series 65

Lemont, IL

Pensinger Financial, Inc.

Michael Pensinger is the sole advisor at Pensinger Financial, Inc. in Lemont, IL, holding a Series 65 designation with 12 years of industry experience. He has led Pensinger Financial, LLC since 2014. Outside of financial advising, he is involved in real estate development through Denanson Development LLC Series Drexel Manor. Pensinger Financial provides investment advisory and financial planning services to individuals, high-net-worth clients, and small businesses. The firm’s approach is based on efficient market theory and modern portfolio theory, focusing on long-term investing primarily through indexed mutual funds and ETFs.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting
user avatar

Brian B

Series 63, Series 65

Lemont, IL

Pensinger Financial, Inc.

Brian Bardachowski is a financial advisor at Pensinger Financial, Inc. He holds Series 63 and Series 65 licenses and has been involved in the financial services industry since 2007. In addition to his advisory role, he is the owner and mortgage loan originator at Wisdom Financial, Inc., where he provides residential mortgage services. Pensinger Financial offers investment advisory and financial planning services to individuals, high-net-worth clients, and small businesses. The firm’s investment approach is based on efficient market theory and modern portfolio theory, focusing on long-term investing primarily through indexed mutual funds and ETFs.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting
Warmer team member

Not sure where to start?

We'll help you think it through — whether you ultimately need an advisor or not.

Warmer helps you compare advisors clearly — so you can choose with confidence.

Find your advisor
Discover

Compare top advisor firms by metric, firm size, and location.

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. ("Warmer")