# Michael Pensinger

> Michael Pensinger is a fee-only financial advisor at Pensinger Financial in Lemont, Illinois. Pensinger Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/michael-pensinger/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Pensinger Financial
- **Based in:** Lemont, Illinois
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $50.3M across 106 accounts
- **CRD:** 4866979 (https://adviserinfo.sec.gov/individual/summary/4866979)
- **SEC registration:** Investment adviser representative in IL
- **Exams passed:** Series 65 (2013)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://www.401knowledge.com

## Frequently asked questions

### Is Michael Pensinger a fee-only financial advisor?

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

### How does Michael charge for financial advice?

Michael's firm, Pensinger Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Michael Pensinger based?

Michael Pensinger is based in Lemont, Illinois.

### Is Michael Pensinger registered with the SEC?

Yes. Michael Pensinger is registered as an investment adviser representative in IL (CRD 4866979), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Pensinger Financial manage?

Pensinger Financial reports $50.3M across 106 accounts in assets under management.

### How do I contact Michael Pensinger?

Through Michael's website, www.401knowledge.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4866979): 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

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