Our Process

How we build professional friendships and create customized wealth management solutions. From initial consultation to ongoing relationship management.

Building Professional Friendships

Our process is designed around getting to know you personally and understanding what truly matters to your family. It's not about selling products - it's about building a relationship that serves your long-term interests.

Professional business handshake meeting
"Successful people we work with typically want to know their advisor personally, understand exactly how their money is being managed, and feel confident about their financial future. Our process is designed to deliver on all three."

— Robert Penn, Founder

Our Six-Step Process

From your first call to ongoing relationship management, here's what you can expect when working with Penn Advisory Group.

1

Discovery

Initial consultation and relationship building

Getting to Know Each Other

Our first meeting is a conversation, not a sales pitch. We want to understand your goals, concerns, and what's important to your family. You'll learn about our approach and determine if we're a good fit for each other.

What We'll Discuss:
  • • Your retirement goals and timeline
  • • Current financial situation overview
  • • Family values and priorities
  • • Concerns keeping you up at night
What You Can Expect:
  • • No pressure or hard sells
  • • Direct conversation with Bob or Dan
  • • 60-90 minute comprehensive discussion
  • • Clear next steps if we're a good match
2

Analysis

Comprehensive financial review and assessment

Deep Dive Into Your Situation

We conduct a comprehensive analysis of your current financial position, including assets, liabilities, cash flow, tax situation, and existing planning strategies. This thorough review helps us identify opportunities and potential challenges.

We'll Review:
  • • Investment accounts and allocations
  • • Retirement plans and benefits
  • • Insurance coverage and needs
  • • Tax returns and planning strategies
  • • Estate planning documents
Our Analysis Includes:
  • • Retirement sustainability projections
  • • Risk assessment and gap analysis
  • • Tax efficiency opportunities
  • • Estate planning recommendations
  • • Insurance needs evaluation
3

Strategy

Custom plan development and presentation

Your Personalized Financial Plan

Based on our analysis, we develop a comprehensive, personalized strategy that addresses your specific goals and circumstances. We present clear recommendations with the reasoning behind each suggestion.

Strategy Components:
  • • Custom investment allocation
  • • Retirement income planning
  • • Tax optimization strategies
  • • Risk management recommendations
  • • Estate planning coordination
Presentation Includes:
  • • Clear explanation of recommendations
  • • Projected outcomes and scenarios
  • • Implementation timeline
  • • Ongoing management approach
  • • Fee structure and expectations
4

Implementation

Executing your personalized strategy

Putting Your Plan Into Action

Once you approve the strategy, we handle the implementation details. We coordinate account transfers, investment purchases, insurance applications, and any other necessary steps to put your plan into motion.

We Handle:
  • • Account opening and transfers
  • • Investment implementation
  • • Insurance application process
  • • Coordination with other advisors
  • • Paperwork and documentation
You Receive:
  • • Regular progress updates
  • • Clear explanation of each step
  • • Account setup assistance
  • • Technology platform training
  • • Direct access to Bob and Dan
5

Monitoring

Ongoing oversight and adjustments

Staying on Track

We continuously monitor your portfolio performance, market conditions, and changes in your personal situation. This allows us to make tactical adjustments and ensure your strategy remains aligned with your goals.

We Monitor:
  • • Portfolio performance and allocation
  • • Market conditions and opportunities
  • • Tax law changes and implications
  • • Your changing personal circumstances
  • • Progress toward goals
Proactive Adjustments:
  • • Rebalancing when needed
  • • Tax-loss harvesting opportunities
  • • Strategic asset allocation changes
  • • Insurance and planning updates
  • • Opportunistic improvements
6

Relationship

Ongoing communication and support

Professional Friendship for Life

Our relationship doesn't end with implementation. We maintain regular communication, conduct periodic reviews, and are always available when questions or life changes arise. This is what we mean by professional friendships.

Regular Contact:
  • • Formal reviews twice per year
  • • Quarterly performance reports
  • • Market updates and insights
  • • Proactive planning suggestions
  • • Always available by phone or email
Life Event Support:
  • • Retirement transition planning
  • • Major purchase decisions
  • • Family changes and estate updates
  • • Tax planning throughout the year
  • • Next generation planning

What Makes Our Process Different

Our approach is built on decades of experience and a commitment to treating you the way we want to be treated.

Personal Attention

You work directly with Bob and Dan, not junior advisors or account managers. Professional friendships require personal relationships.

No Pressure Approach

We never use high-pressure tactics or artificial urgency. Good decisions require time and thoughtful consideration.

Complete Transparency

We explain our reasoning for every recommendation and ensure you understand exactly what we're doing and why.

Truly Customized

No cookie-cutter solutions or standardized models. Every strategy is built around your unique situation and goals.

Always Accessible

When you have questions or concerns, you can reach us directly. No phone trees or waiting weeks for a callback.

Values-Based

We consider your personal values and family goals, not just financial metrics. Your plan should reflect what matters most to you.

Ready to Experience Our Process?

The first step is a simple conversation to see if we're a good fit for each other. No pressure, no obligation - just an opportunity to get to know each other.

Start the Conversation Call (319) 535-0262