# Bobby Cremins

> Bobby Cremins is a fee-only financial advisor at Metanoia Financial in Philadelphia, Pennsylvania, who holds the CFP and CFA credentials. Bobby charges a percentage of assets and an ongoing planning fee (1% a year on the first tier of assets managed) and focuses on retirement planning, tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/bobby-cremins/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Metanoia Financial
- **Based in:** Philadelphia, Pennsylvania
- **Fee model:** Percentage of assets; Ongoing planning fee
- **Fees (firm's website):** 1% a year on the first tier of assets managed
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $138.7M across 554 accounts
- **Credentials:** CFP, CFA
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning, Equity compensation, Pension planning
- **Works with:** Retirees, Pre-retirees, Executives, Physicians
- **CRD:** 4685581 (https://adviserinfo.sec.gov/individual/summary/4685581)
- **SEC registration:** Investment adviser representative in MO, PA
- **Exams passed:** Series 65 (2003), Series 63 (2003)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** http://metanoiafinancial.com

## Frequently asked questions

### Is Bobby Cremins a fee-only financial advisor?

Yes. Bobby Cremins is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Bobby's firm.

### How does Bobby charge for financial advice?

Bobby charges a percentage of assets and an ongoing planning fee.

### How much does Bobby charge?

According to Metanoia Financial's website, checked October 28, 2026: 1% a year on the first tier of assets managed.

### Where is Bobby Cremins based?

Bobby Cremins is based in Philadelphia, Pennsylvania.

### What does Bobby specialize in?

Bobby's specialties include retirement planning, tax planning, estate & legacy planning, equity compensation and pension planning. Bobby works with retirees, pre-retirees, executives and physicians.

### What credentials does Bobby Cremins hold?

Bobby Cremins holds the CFP and CFA credentials.

### Is Bobby Cremins registered with the SEC?

Yes. Bobby Cremins is registered as an investment adviser representative in MO and PA (CRD 4685581), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Metanoia Financial manage?

Metanoia Financial reports $138.7M across 554 accounts in assets under management.

### How do I contact Bobby Cremins?

Through Bobby's website, metanoiafinancial.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/bobby-cremins-10442): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.metanoiafinancial.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.