Recent Posts

PFA Ponderings
July 27, 2018

Investing with Conscience.

“When someone says it’s not about the money, it’s about the money.” - H.L. Mencken That old chestnut may be true, but there are times when investment decisions are made for reasons that go well beyond simple rate-of-return considerations.  The increasing number of individual investors in the market has led…
PFA Ponderings
July 20, 2018

IRS Tools: the CARROT and the STICK

Tax policy is clearly just as much a social engineering tool as it is a revenue source.  When you think of it, this makes perfect sense and is something we should probably applaud.  By driving us to be healthier (by assessing outsized taxes on cigarettes, junk food, and fossil fuels),…
PFA Ponderings
July 13, 2018

A Tale of Tax Efficient Investing

This is the story of two friends. Let’s call them “Hannah” and “Julie.” Hannah and Julie are like peas in a pod. They listen to the same kind of music, they dress alike, they even invest alike. As a matter of fact, they have the same exact investment portfolio. Both…
PFA Ponderings
July 6, 2018

Beware – Shallow curve ahead.

I’m willing to lend you 10 bucks, but I’ll expect some interest from the loan. Now, just how much interest I’m going to charge is going to be based upon a few things.  Obviously, if I know you well, and feel you aren’t going to stiff me, I’m going to…
PFA Ponderings
June 29, 2018

Are Trade Deficits Evil?

Judging by the way the market rumbles every time the prospect of a trade war hits the headlines, it’s safe to say that stock markets don’t like trade wars.  But as is the case in most modern wars, justification for actually going to war is to battle some kind of…


At Penobscot Financial Advisors, we believe the best way to empower people is through education, which is why we’ve created a series of three workshops that cover key areas of personal finance. These seminars are both fun and informative—but never a sales pitch. Every presentation is delivered by one of our knowledgeable financial planners and each is designed with the same objective: to leave participants feeling inspired to take small steps towards improving their overall financial wellbeing.

We’re currently booking financial planning and asset management seminars for 2020. Want us to come to your place of work? Have your human resources or benefits departments reach out to us by emailing or calling (207) 990-1901 in order to start the scheduling process.

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