At Penn Financial Services, we specialize in helping individuals and couples who have built significant retirement savings transition from accumulation to income with clarity, strategy, and purpose. Our approach begins with a 60-minute FIT meeting—designed to explore your goals, your values, and whether our process aligns with your vision for the future.

This is not a sales pitch. It’s an intentional conversation centered around your needs, questions, and financial goals. You’ll walk away with more clarity—whether we move forward or not.

At Penn Financial Services, our mission is to help individuals and families build tax-smart retirement strategies grounded in values, clarity, and long-term thinking.

The firm was founded by Michael Knaub, who brought over 35 years of experience to the practice. Bernard Avon now leads the firm. Today, we continue building on that foundation through a collaborative planning process that blends Michael’s decades of wisdom with modern tools and client-centered strategies—serving today’s retirees with clarity, experience, and care.

Our team brings over 45 years of combined experience, with a planning process developed to meet the complex needs of today’s retirees and near-retirees. Whether you're approaching retirement or already navigating it, our FIT meeting is designed to bring clarity and help determine whether our approach is aligned with your goals.