# Randy Wall

> Randy Wall is a fee-only financial advisor at Penn Cove Financial, LLC in Oak Harbor, Washington, who holds the CFP and MBA credentials. Randy charges hourly fees, an ongoing planning fee, a percentage of assets and a one-time planning fee (ongoing planning from $1,200 a year and one-time plans from $1,800) and focuses on retirement planning.

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

## Facts

- **Firm:** Penn Cove Financial, LLC
- **Based in:** Oak Harbor, Washington
- **Fee model:** Hourly; Ongoing planning fee; Percentage of assets; One-time planning fee
- **Fees (firm's website):** ongoing planning from $1,200 a year; one-time plans from $1,800; $300 an hour; 0.7% a year on the first tier of assets managed; no asset minimum
- **Credentials:** CFP, MBA
- **Specialties:** Retirement planning
- **Works with:** Pre-retirees
- **CRD:** 4015381 (https://adviserinfo.sec.gov/individual/summary/4015381)
- **SEC registration:** Investment adviser representative in TX, WA
- **Exams passed:** Series 63 (1999), Series 65 (2005)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://penncovefinancial.com

## Frequently asked questions

### Is Randy Wall a fee-only financial advisor?

Yes. Randy Wall is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Randy's firm.

### How does Randy charge for financial advice?

Randy charges hourly fees, an ongoing planning fee, a percentage of assets and a one-time planning fee.

### How much does Randy charge?

According to Penn Cove Financial, LLC's website, checked October 28, 2026: ongoing planning from $1,200 a year; one-time plans from $1,800; $300 an hour; 0.7% a year on the first tier of assets managed; no asset minimum.

### Where is Randy Wall based?

Randy Wall is based in Oak Harbor, Washington.

### What does Randy specialize in?

Randy's specialties include retirement planning. Randy works with pre-retirees.

### What credentials does Randy Wall hold?

Randy Wall holds the CFP and MBA credentials.

### Is Randy Wall registered with the SEC?

Yes. Randy Wall is registered as an investment adviser representative in TX and WA (CRD 4015381), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Randy Wall?

Through Randy's website, penncovefinancial.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/randy-wall-11470): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://penncovefinancial.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.