# Libby McKay

> Libby McKay is a fee-only financial advisor at Penobscot Financial Advisors in Bangor, Maine, who holds the CFP credential. Libby charges an ongoing planning fee (ongoing planning from $4,800 a year).

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

## Facts

- **Firm:** Penobscot Financial Advisors
- **Based in:** Bangor, Maine
- **Fee model:** Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $4,800 a year
- **Assets under management (firm):** $544.5M across 1,811 accounts
- **Credentials:** CFP
- **CRD:** 6789407 (https://adviserinfo.sec.gov/individual/summary/6789407)
- **SEC registration:** Investment adviser representative in ME
- **Exams passed:** Series 65 (2018)
- **Firm size:** 12 employees
- **Disclosures:** None reported
- **Website:** https://penobscotfa.com

## Frequently asked questions

### Is Libby McKay a fee-only financial advisor?

Yes. Libby McKay is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Libby's firm.

### How does Libby charge for financial advice?

Libby charges an ongoing planning fee.

### How much does Libby charge?

According to Penobscot Financial Advisors's website, checked October 28, 2026: ongoing planning from $4,800 a year.

### Where is Libby McKay based?

Libby McKay is based in Bangor, Maine.

### What credentials does Libby McKay hold?

Libby McKay holds the CFP credential.

### Is Libby McKay registered with the SEC?

Yes. Libby McKay is registered as an investment adviser representative in ME (CRD 6789407), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Penobscot Financial Advisors manage?

Penobscot Financial Advisors reports $544.5M across 1,811 accounts in assets under management.

### How do I contact Libby McKay?

Through Libby's website, penobscotfa.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/44900): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://penobscotfa.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.