Services offered by PEN Associates, Inc.
Comprehensive investment experience and services.
At PEN Associates we understand that each client's financial situation and goals require a customized approach to investing, and that many investment objectives can change over time. Whether it's saving for your children's college educations, estate planning, or planning for retirement, we offer the financial planning, resources and ongoing management to help you succeed in your personal and business life.
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Retirement Planning
With life expectancies increasing, many people spend up to one-third of their lifespan in retirement. So it's essential to prepare for these years, and put your investments to work to account for them.
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Insurance Strategies
Planning for unforeseen events is one of the most often overlooked aspects of financial planning. Just one unfortunate event can quickly erode the value of a plan if you don't have appropriate insurance.
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Fixed Income
Bonds provide investors with a wide range of investment opportunities than can complement a portfolio. Also known as fixed income investments, bonds are loans investors make to issuers.
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Estate Planning
Estate taxes can deplete up to 50 percent of their total estate. Taking appropriate steps to develop a sound estate plan can provide for effective preservation and transfer of assets to your loved ones.
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Asset Management
Successful investing involves time, discipline and a carefully selected balance of investment vehicles. Asset management is one of the most important investment strategies.
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Market Timing
Not only is it impossible for even the most seasoned market professionals to accurately time the market, but not being invested during a markets' highest performing days could greatly decrease your portfolio's return.
