# Penfacs Financial Services

> Penfacs Financial Services is a state-registered investment advisory firm in Southborough, MA, registered since 1984, reporting under $25 million in regulatory assets under management in its Form ADV filing dated April 14, 2026.

- CRD: 114039
- Filed as: PENFACS FINANCIAL SERVICES
- Legal name: Penfacs Financial Services, Inc.
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Southborough, MA
- Filing period: October 2026
- Form ADV filing dated: April 14, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/114039
- AdvisorCensus page: https://advisorcensus.com/firm/penfacs-financial-services-southborough-ma-114039

## Quick answers

**How is Penfacs Financial Services compensated?**
On its Form ADV (Item 5.E, October 2026), Penfacs Financial Services reports these compensation arrangements: a percentage of assets under its management.

**Where is Penfacs Financial Services located?**
Penfacs Financial Services' principal office is in Southborough, MA, according to its Form ADV.

**Is Penfacs Financial Services registered with the SEC or a state?**
Penfacs Financial Services is a state-registered investment advisory firm, registered since 1984. Status as filed: APPROVED. CRD 114039.

**How much does Penfacs Financial Services manage?**
Penfacs Financial Services reports $23,162,638 in regulatory assets under management in its Form ADV filing dated April 14, 2026 (100% discretionary).

**What types of clients does Penfacs Financial Services serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (14); high net worth individuals (3); corporations or other businesses not listed above (2).

**Does Penfacs Financial Services report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/114039

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Regulatory assets under management (Item 5.F)
- Total: $23,162,638
- Discretionary: $23,162,638
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 14 | $9,265,375 |
| High net worth individuals | 3 | $11,473,154 |
| Corporations or other businesses not listed above | 2 | $2,424,109 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 1984 (42 years)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, MA, NH
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Penfacs Financial Services (CRD 114039): Form ADV filing data as of October 2026.