Your future begins with a plan built around your dreams. We’re here to help you build something that lasts, something that works specifically for you. Our Pen Air Asset Management Team of experts collectively has more than 90 years of experience in the investment and banking industry. They can help you understand your options, talk you through decisions, and provide key insight into making smart investment and insurance choices.

We know that retirement planning, investments, estates and such can be overwhelming to know what makes the most sense for your lifestyle. So to help make life easier, we recently launched a new Asset Management website simply to help you educate yourself. On the new website, you can meet our Pen Air Asset Management, learn how we can enhance your life now and for the future, access your existing accounts, or ask us any questions you might have. There are videos, calculators, a glossary, and more. The Resource Center provides tools to better understand topics like:

Insurance: Insurance transfers the financial risk of life’s events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. A strategy can include personal insurance, liability insurance, and life insurance.

Investment: Investing should be easy – just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors.

Lifestyle: Creating a life map involves a close review of personal finances and an assessment of other building blocks. Lifestyle matters look at how to balance work and leisure, how to make smart choices for the future, and many other items in an effort to help an individual “enjoy the journey.”

Money: One of the keys to a sound financial strategy is spending less than you take in, and then finding a way to put your excess to work. A money management approach involves creating budgets to understand and make decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work.

Retirement: Where will your retirement money come from? If you’re like most people, qualified-retirement plans, Social Security, and personal savings and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources.

Tax: Understanding tax strategies and managing your tax bill should be part of any sound financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts.

At Pen Air, we take a customized approach to helping you plan and grow your assets. We listen to your needs and work with you to choose the investment tools that make sense for your short and long term goals. We’re here to guide you through the process. Let us know how we can help you start building your plan.


The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker – dealer, state – or SEC – registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Copyright 2018 FMG Suite.

Securities and Insurance Products are provided by Cetera Investment Services LLC, Member SIPC/FINRA. Advisory services are provided by Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. View Cetera Investment Services Privacy Policy and other important information.

Investment products are:

Not NCUSIF InsuredNo Financial Institution GuaranteeMay Lose Value
Not a Deposit    Not Insured by any Federal Government Agency

Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.