# John Pennington

> John Pennington is a fee-only financial advisor at Andina Advisors in Lehi, Utah. John focuses on estate & legacy planning and family wealth transfer. Andina Advisors reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/john-pennington/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Andina Advisors
- **Based in:** Lehi, Utah
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $1.26B across 4,262 accounts
- **Specialties:** Estate & legacy planning, Family wealth transfer
- **Works with:** Multi-generational families
- **CRD:** 7234506 (https://adviserinfo.sec.gov/individual/summary/7234506)
- **SEC registration:** Investment adviser representative in UT
- **Exams passed:** Series 65 (2019)
- **Firm size:** 13 employees
- **Disclosures:** None reported
- **Website:** https://andinaadvisors.com/

## Frequently asked questions

### Is John Pennington a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: John holds no broker registration, and Andina Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does John charge for financial advice?

John's firm, Andina Advisors, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is John Pennington based?

John Pennington is based in Lehi, Utah.

### What does John specialize in?

John's specialties include estate & legacy planning and family wealth transfer. John works with multi-generational families.

### Is John Pennington registered with the SEC?

Yes. John Pennington is registered as an investment adviser representative in UT (CRD 7234506), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Andina Advisors manage?

Andina Advisors reports $1.26B across 4,262 accounts in assets under management.

### How do I contact John Pennington?

Through John's website, andinaadvisors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7234506): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.andinaadvisors.com/): specialties, clients served, and fees, checked October 30, 2026

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