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Penney Financial, LLC
Penney Financial, LLC is a fee-only, SEC-registered investment advisory firm headquartered in Houston, Texas. Founded by Cameron J. Penney, the firm emphasizes working as a fiduciary, providing comprehensive financial planning and investment management. As of March 2025, the firm manages over $236 million in assets and has a small professional team with 3 employees (all investors, no brokers). Penney Financial primarily serves high net worth individuals, but their services are open to a broad range of clients seeking holistic, cost-effective, and conflict-free advice, focusing on transparent, client-aligned relationships.
Investment Strategy
Penney Financial pursues a philosophy of building lower-cost, diversified portfolios as a prudent way to grow and preserve clients' wealth over time. The firm strictly adheres to a fee-only, fiduciary model, rejecting commissions or product sales to avoid conflicts of interest. Their approach focuses on customized financial planning and asset management, prioritizing cost efficiency, diversification, and minimizing behavioral and expense-related wealth erosion. Asset management typically requires a $1 million minimum, and portfolios are tailored for each client using evidence-based principles to enable disciplined, long-term investing.
Latest 13F Filing Activity
Penney Financial, LLC filed their most recent 13F report on Sep 30, 2025 disclosing 49 equity positions with a total 13F market value of $223M. The fund increased holdings in Goldman Sachs Etf TR, Vanguard Index FDS, Ishares TR among other positions. Penney Financial, LLC reduced exposure to Ishares TR, Kinder Morgan Inc. Del, Ishares TR among others.
Top Holdings
Equity Positions (49)
| Ticker | Security | Weight | Market Value | Shares | Avg Cost | Price | Change (QoQ) |
|---|---|---|---|---|---|---|---|
G GSLC | GOLDMAN SACHS ETF TR | 25.43% | $56.8M | 435,895 | $97.48 | $130.28 | +$4.9M |
V VTI | VANGUARD INDEX FDS | 17.41% | $38.9M | 118,453 | $244.54 | $328.17 | +$3.9M |
V VEA | VANGUARD TAX-MANAGED FDS | 8.45% | $18.9M | 314,790 | $48.69 | $59.92 | +$1.3M |
S SGOV | ISHARES TR | 5.31% | $11.9M | 117,816 | $100.69 | $100.70 | +$3.8M |
I IEFA | ISHARES TR | 4.63% | $10.3M | 118,436 | $74.06 | $87.31 | +$1.8M |
Industry Allocation
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