Pensinger Financial
  • About Us
    • A Quick Look
    • Core Values
    • Background
    • What it Means to be a CFP®
    • Code of Ethics
    • Investment Philosophy
  • What We Do
    • Our Services
    • Our Pricing
    • 401(k) and 403(b) Set Up
    • 401(k) and 403(b) Rollover
    • Small Business Retirement Plans
    • HCBA Retirement Solution
  • Resources
    • Investment Returns
    • Helpful Links
    • Reading Recommendations
    • Frequently Asked Questions
  • Extras
    • Videos
    • The Right Way to Invest Blog
    • Photos
    • That Familiar Voice
    • DFA Youtube Channel
  • Contact
  • Client Access
    • Atlas Software Access
    • NetXInvestor Access
    • NetXInvestor Guides

how being independent &
fee-only protects you

 “we are licensed to advise, not licensed to sell” 

Being independent and fee-only should be the only advisory set up between a client and his/her advisor.

Independent simply means we have no products to sell you; instead, what we do is we go out to the marketplace to find the best investments to fit your financial needs.  We have no ulterior motives. We are not driven by commissions or revenue sharing. Advisors at non fee-only firms, such as banks, brokerage firms and insurance companies are; they manage your portfolio based upon which products generate commissions, offer revenue-sharing or get them a bigger bonus. This is wrong. You should not be treated this way and your money should not be managed this way. 

The fee-only arrangement is far superior to the traditional broker/dealer transaction business because it directly aligns the advisor with your best interests.  When an advisor receives commissions or revenue sharing from an investment product s/he is acting in direct conflict with your best interest.  Thus, the advisor is placing your money into a particular investment simply because it gets him/her paid.  This compensation structure is bad for the advisor and worse for you.

We care so much about our clients that we specifically designed our company to be independent and fee-only. Being independent and fee-only is truly the best way - the only way - to prove you come first to us.
ABOUT US
A Quick Look
Core Values
Background
What it Means to be a CFP
Code of Ethics
Investment Philosophy
WHAT WE DO
Our Services 
Our Pricing 
401(k) / 403(b) Rollover
Small Business Retirement Plans
​HCBA Retirement Solution
RESOURCES
Client Access
Investment Returns
Helpful Links
Reading Recommendations
Frequently Asked Questions
EXTRAS
Videos
​The Right Way To Invest Blog

Photos
​​That Familiar Voice
DFA Youtube Channel
CONTACT
Lemont, Illinois 60439
630-754-7580 Phone
630-590-9392 Fax

© 2015 Pensinger Financial, Inc