Matthew Pence
Fluent Financial · Dallas, Texas
Matthew Pence is a fee-only financial advisor at Fluent Financial in Dallas, Texas. Matthew focuses on retirement planning, small business owners and estate & legacy planning. Fluent Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.
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Specialties
Who they serve
- Founders
Facts
| Firm | Fluent Financial |
|---|---|
| Based in | Dallas, Texas |
| Fee model (firm's Form ADV) | Percentage of assets · Hourly · Fixed fees |
| Accepting new clients | Yes |
| Assets under management | $329.7M across 1,030 accounts |
| SEC registration | Investment adviser representative in TX · CRD 7469806 |
| Exams passed | Series 65 (2022) |
| Firm size | 9 employees |
| Disclosures | None reported |
| Website | www.fluentfinancial.com |
How Matthew's firm compares
- Fluent Financial's average account is about $320,000, from its Form ADV (assets managed divided by 1,030 accounts).
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Questions about Matthew
Is Matthew Pence a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Matthew holds no broker registration, and Fluent Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.
How does Matthew charge for financial advice?
Matthew's firm, Fluent Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.
Where is Matthew Pence based?
Matthew Pence is based in Dallas, Texas.
What does Matthew specialize in?
Matthew's specialties include retirement planning, small business owners and estate & legacy planning. Matthew works with founders.
Is Matthew Pence registered with the SEC?
Yes. Matthew Pence is registered as an investment adviser representative in TX (CRD 7469806), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.
How much does Fluent Financial manage?
Fluent Financial reports $329.7M across 1,030 accounts in assets under management.
How do I contact Matthew Pence?
Through Matthew's website, www.fluentfinancial.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- Fluent Financial website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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