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Advisor

Terra Penner

Disciplined Investors · Waco, Texas

Terra Penner is a fee-only financial advisor at Disciplined Investors in Waco, Texas. Disciplined Investors reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Percentage of assetsHourlyFixed fees Fee-only

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Facts

FirmDisciplined Investors
Based in Waco, Texas
Fee model (firm's Form ADV)Percentage of assets · Hourly · Fixed fees
Assets under management$941.6M across 1,632 accounts
SEC registration Investment adviser representative in TX · CRD 7848299
Exams passedSeries 65 (2024)
Firm size8 employees
Disclosures None reported
Websitewww.dinvestors.com

How Terra's firm compares

  • Disciplined Investors's average account is about $577,000, from its Form ADV (assets managed divided by 1,632 accounts).

What fee-only advisors charge in Texas

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Questions about Terra

Is Terra Penner a fee-only financial advisor?

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

How does Terra charge for financial advice?

Terra's firm, Disciplined Investors, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

Where is Terra Penner based?

Terra Penner is based in Waco, Texas.

Is Terra Penner registered with the SEC?

Yes. Terra Penner is registered as an investment adviser representative in TX (CRD 7848299), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

How much does Disciplined Investors manage?

Disciplined Investors reports $941.6M across 1,632 accounts in assets under management.

How do I contact Terra Penner?

Through Terra's website, www.dinvestors.com.

What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms

Other fee-only advisors in Waco

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
  • 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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