Pensinger Financial, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$48,738,385
Clients
79
Advisors
2
of 2 employees
About
Pensinger Financial provides investment advisory and financial planning services to individuals, high-net-worth individuals, and small businesses. The firm offers ongoing portfolio management—including the preparation of an Investment Policy Statement and discretionary trading authority—and standalone hourly financial planning on topics such as retirement, tax considerations, insurance, and college funding.
The firm’s investment approach is grounded in efficient market theory and modern portfolio theory and emphasizes long‑term investing primarily through mutual funds and ETFs, with a focus on indexed equities and fixed income. Pensinger Financial documents risk tolerance and goals in client Investment Policy Statements, monitors portfolios regularly, and conducts at least annual portfolio reviews.
Noteworthy aspects in the brochure include serving small-business clients in addition to individuals and the firm’s disclosure that it may enter into referral or solicitor arrangements with unaffiliated professionals, which can affect how clients are introduced. The brochure also discloses an account minimum ($250,000), use of a recommended custodian (Altruist Financial LLC), and a written Code of Ethics that frames how potential conflicts and personal trading are managed.
Client services
Expertise
Fee options
$0 - $250,000: 1.50% $250,001 - $2,000,000: 1.25% $2,000,001+: 1.00%
$250 per hour (financial planning services)
Account minimum: $250,000
Main office
Lemont IL
Advisors at this office
2
Most active in
Illinois
Also doing business as
Pensinger Financial, Inc. · Pensinger, Michael D.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Michael P
Series 65
Lemont, IL
Pensinger Financial, Inc.
Michael Pensinger is the sole advisor at Pensinger Financial, Inc. in Lemont, IL, holding a Series 65 designation with 12 years of industry experience. He has led Pensinger Financial, LLC since 2014. Outside of financial advising, he is involved in real estate development through Denanson Development LLC Series Drexel Manor. Pensinger Financial provides investment advisory and financial planning services to individuals, high-net-worth clients, and small businesses. The firm’s approach is based on efficient market theory and modern portfolio theory, focusing on long-term investing primarily through indexed mutual funds and ETFs.
Brian B
Series 63, Series 65
Lemont, IL
Pensinger Financial, Inc.
Brian Bardachowski is an advisor at Pensinger Financial, Inc. with Series 63 and Series 65 credentials and one year of industry experience. He is also the owner and mortgage loan originator at Wisdom Financial, Inc., where he provides residential mortgage services. Pensinger Financial offers investment advisory and financial planning services to individuals, high-net-worth clients, and small businesses. The firm follows an investment approach based on efficient market theory and modern portfolio theory, focusing on long-term investing through indexed equities and fixed income.
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