Services

Our services model is based on the belief that good financial management shouldn’t come at a steep cost to you. We offer affordable programs that fit all types of lifestyles, and we’re one of the few financial advising firms in New England that doesn’t require you to have a minimum amount in assets to become a client. Whether you’re a millennial struggling with student loans or a baby boomer looking ahead to retirement, we have the expertise to help you navigate your financial challenges, and as your needs evolve with time, so too do the services we offer. Because ours is a partnership built to last.

Financial Planning

As the saying goes, a goal without a plan is just a wish. Partner with Penobscot Financial Advisors, and our Certified Financial Planner practitioners can identify the necessary strategies for transforming your dreams into realistic objectives. With our entire team at your disposal, we’ll work directly with you and other key professionals to help craft a clear, personalized plan for your financial future.

Budgeting
Cash flow analysis
Debt strategies
Contingency funding
Risk analysis

Needs assessment
Tax planning
Retirement planning
Investment planning
Estate planning

Asset Management

Proper investment management isn’t rocket science, so why do so many people fail to achieve their investment objectives? It often comes down to a lack of time and industry know-how, but our advisors can help you avoid common pitfalls while simultaneously monitoring your portfolio, the markets and the economy. And because we never accept fees from investment products that we utilize, you can feel confident in the fact that our recommendations are objective, independent and provided only with your best interest in mind.

Stocks, bonds and mutual funds
Exchange traded funds and notes
CDs and annuities
Direct participation plans
Life, health, long-term care and disability insurance

Employer and individual retirement plans
Educational savings plans
Transfer-on-death accounts
Trust accounts
Corporate/foundation assets

Wealth Management

Sound wealth management practices require on-going review, evaluation and adjustment—and who has time for that? With our program, one fee covers all of our fiduciary asset management and financial planning services for your entire household. Think of our firm as your own personal Chief Financial Officer: we diligently monitor your financial position and performance, adjusting and adapting your plan as needed to ensure the best possible outcome. That translates to less stress and more time for you to be enjoying the perks of financial health.

Our Fees

*PFA will combine all managed assets in a household when calculating fees. Fees are billed quarterly in advance, based on account balances at the end of the prior quarter.

For clients who choose to utilize both Financial Planning and Asset Management services, we can administer a single fee covering both asset management and planning services, deducted directly from your investment portfolio.