PlannerFees

Penn Cove Financial, LLC fees and pricing

Financial planner in Oak Harbor, Washington. Registered with state securities regulators.

According to its Form ADV Part 2A brochure dated March 27, 2026, Penn Cove Financial, LLC charges $300 an hour, a monthly fee of $100, a quarterly fee of $300, and an annual fee of $1,200 for financial planning.

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 27, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate
$300/hr
“Penn Cove Financial, LLC charges a fee based on an hourly rate of $300 per hour.”
Monthly fee
$100/mo
“Minimum fee is $1,200/year, ($300/quarter or $100/month).”
Quarterly fee
$300/qtr

From the same sentence as above.

Annual fee
$1,200/yr

From the same sentence as above.

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Penn Cove Financial, LLC bills

Payment and refund terms, quoted from the fee section of the brochure.

  • “All fees are negotiable, based on factors such as individual planning needs, types of assets held in the adviser account, investment objectives, risks, expected individual consultations and membership in certain organizations.”
  • “Factors affecting the fee negotiated in advance by Client and Penn Cove Financial, LLC are the complexity of Client's situation, Client's total assets, and the number of hours Penn Cove Financial, LLC anticipates expending in order to meet Client's needs.”
  • “No fees of $500 or more will be collected 6 months or more in advance.”

How Penn Cove Financial, LLC’s fees compare

  • Its hourly rate of $300 matches the Washington median of $300. 50% of the 216 other Washington planners that publish an hourly rate charge less.
  • Its annual fee of $1,200 is below the Washington median of $7,000. None of the 37 other Washington planners that publish an annual fee charge less.

About Penn Cove Financial, LLC

“Penn Cove Financial, LLC provides Financial Planning advice to clients.”
From the firm's description of its advisory business in its Form ADV brochure.
  • Solo practice: one person runs the firm, so you work directly with the planner.
  • Credentials named in the brochure: CFP®.
  • Registered as an adviser: 2006 (20 years).

Planning areas mentioned in the brochure

  • Retirement planning
  • Estate planning
  • Business owners
  • Equity compensation
  • Insurance analysis
  • Cash flow and budgeting

Firm details from Form ADV

How the firm is paid
Hourly fees, fixed or flat fees, percentage of assets under management
Charges a % of assets
Yes
Highest asset based fee in brochure
0.7% a year
Minimum
$1,200 minimum fee (stated in brochure)
Clients
34
Employees
1
Works with
Individuals and high net worth individuals
Services reported to regulators
Financial planning and portfolio management for individuals and small businesses
Registered with
State securities regulators
Disciplinary disclosures
None reported
SEC CRD number
137046
Website
NESTEGGZONE.COM (opens in new tab)
Phone
(360) 632-0946

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Is something on this page wrong or out of date? Email corrections@plannerfees.com and PlannerFees will check it against the firm's latest filing.