Our Services
Silver Penny offers clients two ways to work with us: fee-based financial planning and ongoing investment management services.
Fee-based Financial Planning
This flat-fee comprehensive service allows us to build a thoughtful plan based on your overall financial picture and long-term goals. We provide the structure, guidance, and accountability to help you stay on track over time.
Investment Management Services
This service provides ongoing investment management of specific accounts, with guidance tailored to your risk tolerance, portfolio strategy, and distribution needs.
Our Financial Planning strategy
Financial planning is the integrated, coordinated, ongoing management of an individual’s financial concerns and interests. Think of us as a coach as we develop a game plan and help make adjustments along the way. We will check in annually as financial planning is dynamic.
Silver Penny's comprehensive suite of planning services
Retirement Planning
Are you on target to live comfortably after working?
Cash Flow Analysis
Which accounts should you be investing in or withdrawing from?
Risk Assessment
Are you properly covered with enough life and long-term disability insurance?
Investment Analysis
Are you properly diversified for
your risk tolerance?
College Planning
How much is college going to cost and how are you going to pay for it?
Tax Strategies
Are you optimizing your investments and planning for taxes both now and in the future?​
Our approach to Investment Management
This service provides ongoing investment management of specific accounts, with guidance tailored to your risk tolerance, portfolio strategy, and distribution needs.
Align Your Portfolio With Your Goals
We begin by understanding your risk tolerance, time horizon, financial circumstances, and tax considerations so your portfolio reflects the right overall strategy for you.
Tailor Your Portfolio
We design and manage portfolios using strategic asset allocation, customized investment selections, tax-aware planning, and disciplined rebalancing as needed.
Monitor and Adjust Over Time
We review your portfolio regularly to evaluate performance, allocation, and progress toward your goals, and we make adjustments as your life or the market changes.
Support Income and Distribution Needs
We help manage withdrawals, required minimum distributions, and qualified charitable distributions in a way that supports your broader financial strategy.
Keep You Informed and Connected
You have ongoing access to your accounts through an online client dashboard, along with regular guidance and communication to help you stay informed.