Pankonin Financial Group

Pankonin Financial Group provides discretionary asset management, financial planning (one-time and ongoing), and retirement-plan advisory services, including limited-scope ERISA 3(21) fiduciary work, to individuals (including high‑net‑worth clients) and plan sponsors. As of December 31, 2025 the firm reported approximately $92.7 million in discretionary assets under management across two advisors and 829 client relationships.

The firm implements client strategies through discretionary portfolio management that combines fundamental and charting analysis and leverages third‑party platforms such as Orion Portfolio Solutions and American Funds Service Company for account administration and investment strategies. For financial planning clients it offers both one‑time plans and ongoing consulting with regular monitoring and reporting—ongoing clients may receive monthly meetings and monthly reports in addition to quarterly account reviews.

Noteworthy features include an unusually high client count per advisor (over 400 clients per advisor), which is well above typical peer ratios and suggests reliance on standardized processes and third‑party platforms to deliver services. The firm’s principal also operates as an independent insurance agent (spending roughly 20% of his time) and the brochure discloses receipt of insurance commissions and a portion of Orion administration fees, a disclosed affiliation that creates potential conflicts of interest and is mitigated through the firm’s policies and disclosures.