# Penny Houseman

> Penny Houseman is a fee-only financial advisor at Kocen Financial Group in Rancho Mirage, California. Penny focuses on retirement planning, tax planning and estate & legacy planning. Kocen Financial Group reports charging a percentage of assets and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Kocen Financial Group
- **Based in:** Rancho Mirage, California
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $185.9M across 773 accounts
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning, Family wealth transfer
- **CRD:** 5760422 (https://adviserinfo.sec.gov/individual/summary/5760422)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 65 (2020)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** http://www.kfginc.com

## Frequently asked questions

### Is Penny Houseman a fee-only financial advisor?

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

### How does Penny charge for financial advice?

Penny's firm, Kocen Financial Group, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Penny Houseman based?

Penny Houseman is based in Rancho Mirage, California.

### What does Penny specialize in?

Penny's specialties include retirement planning, tax planning, estate & legacy planning and family wealth transfer.

### Is Penny Houseman registered with the SEC?

Yes. Penny Houseman is registered as an investment adviser representative in CA (CRD 5760422), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Kocen Financial Group manage?

Kocen Financial Group reports $185.9M across 773 accounts in assets under management.

### How do I contact Penny Houseman?

Through Penny's website, www.kfginc.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5760422): 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.kfginc.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.