Forensic Advisory Services
Personal Financial Advice
Workplace Financial Advice

How
Capabilities
How We Help

PennyTree Advisers tailors a financial education program to meet the unique needs of each organization.  Sessions focus on what people need whether it be budgeting assistance, saving for college or understanding credit.   You can design an ongoing education program that works.

When we were young and trying to learn how to play a game, our first coaches showed us the right way and offered us encouragement and help along the way.  That is what many workers want for their financial lives.  They don't want to turn this part of their lives over to a financial planner and hope for the best.  They want to be able to step up to the plate themselves. We help working people develop the confidence they need to take on the financial challenges in their own lives. 

Analysis

There are times when hard numbers are needed; for example when a worker needs to evaluate various retirement and pension options.  Younger workers also need to be sure they have their financial lives in order.  A financial analysis can help them make smart money decisions and avoid costly mistakes.

PennyTree answers hese questions at no additional cost to the employee or the sponsoring organization.  Since every PennyTree Adviser works exclusively on salary, he or she is available everyday to provide assistance is needed.

Implementation Assistance

Although PennyTree Advisers do not sell any insurance or investment products - actually no products of any kind - we don't leave you alone when it is time to implement your financial recommendations.  Instead we provide you with "Can-Do" assistance in the way that suits you best. 

Need a worksheet with step by step instructions on buying life insurance?  We have you covered.

Want someone to sit with you and evaluate two annuity proposals from competing agents?  We can do that.

Would it be easier to rebalance the investments in your retirement plan if there was a trusted adviser on the phone with you (one who knows your plan inside and out) when you called the service center. That's OK with us.

Is a bi-weekly meeting to help you get your credit usage under control, what it will take to finally pay off those high interest cards and put yourself on strong financial footing?  We are happy to see you.

Need help to rollover your old 401(k) plan to an IRA or to your new retirement plan?  We know the ins and outs.  We'll help you with the paperwork.  We'll even get on the phone with you.

We understand that financial planning doesn't end with recommendations and analyses.  The really hard part is taking action.  It also the most important.  We want you to succeed and we are committed to helping you get there.

OK, so you know that you need to diversify. But, how do you choose which small cap fund to use when your retirement plan has seventy-six choices and you think twelve may be small caps?  PennyTree Advisers has a solution. 

When we form a sponsor agreement  we also identify an impartial, objective and experienced Investment Selection Team.  This expert group of professionals analyzes the  investment options of your retirement plan(s) using both quantitative and qualitative methods.  They develop a list of preferred options that are customized to your organization. Our system then aligns these preferred funds with our risk-adjusted asset allocation models to provide recommendations that you can implement easily.  The local PennyTree Adviser remains impartial and objective since he or she doesn't participate in the investment selection decisions.

What about assets outside of the retirement plan?   We conduct a similar process to identify appropriate portfolios of no-load, low-cost funds from several well respected firms and we'll help you to get started.  We are impartial and receive no additional compensation of any kind.