Financial Services
At PennRisk, we help individuals, families, and business owners make informed decisions about their money. From retirement and income planning to wealth protection and business solutions, our financial services are built to grow with you. With two in-house financial specialists and decades of experience, we offer the guidance you need—without the jargon.
Why Choose PennRisk for financial services?
Our financial specialists take the time to understand your whole picture, not just your portfolio. We offer transparent advice, hands-on support, and carefully vetted financial products from industry-leading providers.
We serve clients across 10 states and bring the same personalized attention to every household and business we work with. Whether you need help building wealth or preserving it, we’re here to guide you with clarity, care, and integrity.
Smart financial planning can help you reduce taxes, avoid costly mistakes, and make better use of every dollar you earn. With PennRisk, you’ll not only protect what you’ve worked hard to build—you’ll learn how to make it go further.
Retirement Planning
Retirement shouldn’t feel uncertain. Our team works with you to develop a retirement income strategy that provides stability, tax-efficiency, and long-term peace of mind. We’ll help you explore IRAs, annuities, 401(k) rollovers, and other retirement products—building a plan that’s focused on sustainable income, not just savings.
Life Insurance with Living Benefits
Life insurance isn’t just about what happens after you’re gone. Many of today’s policies offer living benefits that can provide access to funds in the event of critical illness, disability, or other life-changing events. Whether you’re looking for term or permanent coverage, we’ll help you find a policy that aligns with your financial goals and may even build cash value over time.
Income Planning & Annuities
Annuities are powerful tools for turning savings into steady income. We’ll guide you through fixed, indexed, and variable annuity options that suit your timeline and risk tolerance—ensuring you have a plan for monthly income that doesn’t outlive you.
Wealth Protection & Estate Planning
Financial planning doesn’t stop with retirement. Our team can help you protect your estate, minimize tax impact, and ensure your assets are transferred according to your wishes. From trusts to insurance-based wealth protection strategies, we’ll help you prepare for what’s next.
Business Financial Services
We support small businesses and entrepreneurs with financial planning services tailored to your growth and exit strategy. From key person insurance to buy-sell funding and retirement plans for your team, PennRisk can help you build lasting financial stability for both your business and your family.
Ready to Plan for the Future?
Let’s start the conversation. Book a free consultation—virtually or in-person—with one of our financial specialists to explore your options and take the first step toward a more secure future.
FAQs
Smart financial planning starts with asking the right questions. Here are a few we often hear from clients ready to take control of their financial future.
Have a question?When should I start planning for retirement?
It’s never too early—or too late—to start. Whether you’re in your 30s or 60s, we’ll help you create a plan that matches your current situation and future goals, including strategies for tax efficiency and guaranteed income.
What’s the difference between an annuity and a retirement savings account?
Annuities provide a stream of income in retirement, often guaranteed for life. Unlike IRAs or 401(k)s, annuities can be structured to protect against market volatility. We’ll help you decide how they might complement your overall retirement plan.
Do I really need life insurance as part of my financial plan?
Yes—life insurance isn’t just about death benefits. Many policies now include living benefits and can act as tax-advantaged tools in your financial strategy. It’s also a key piece in protecting your family or business from financial hardship.