- One Monument Square Suite 501, Portland, ME 04101
- 2079901901
- cjoncas@penobscotfa.com
- https://www.penobscotfa.com
About Craig Joncas, CFP®
Hi. I am Craig Joncas, a Certified Financial Planner™ (CFP®) who believes that EVERYONE deserves access to quality financial advice. With the help of my team at Penobscot Financial Advisors, I provide comprehensive Financial Planning and Asset Management services to individuals and families regardless of their income, assets or financial standing. I strive to develop long-term relationships with my clients, by acting as more than just their trusted advisor, but also as an educator, friend, and partner in their financial success.
Our firm specializes in working with University Professors and Professionals, as well as young professionals. We deliver Financial Planning services on a monthly fee basis and set this pricing relative to income – making our services affordable to everyone. We also perform Asset Management services on an assets under management pricing schedule. We work as Fee-Only Fiduciaries, bound to an obligation to work in the best interest of our clients.
A Maine native, I earned my degree in Business Finance from the University of Maine. Always having an interest in personal financial planning, I was fortunate to intern with Penobscot Financial Advisors during my time there. Here we are over ten years later, and I serve as the Managing Principal of that same firm. My Maine roots have ingrained the values of hard work and loyalty, which I apply every day with a strong commitment to my firm and our clients.
At work, I perform multiple roles. I am an Advisor to clients, serve on the Financial Planning & Investment Committees, and the Chief Compliance Officer for PFA. I enjoy the variety that each day brings and working as a team to build an organization that delivers quality advice to those who need it the most. Outside of work, you’ll find me trying to improve my golf game, bowling, running, or enjoying the Maine outdoors and the changing seasons!
Recently Published
Honey, Where’s the cost basis?
March 22, 2019We’re getting down to ‘crunch time’… just a few weeks to go before April 15 (or for those of us in the states that recognize Patriots’ Day as a holiday, April 16.) It’s around this time that advisors across America start to get a steady stream of calls that go...
The post Honey, Where’s the cost basis? appeared first on Penobscot Financial Advisors.
Everything you don’t know about FDIC coverage.
March 15, 2019“Like money in the bank.” That phrase has become synonymous with the height of safety – as much of a sure thing as can be had in life. Most people alive today have never experienced a ‘run on the bank’ and, as such, we look at banks as being the...
The post Everything you don’t know about FDIC coverage. appeared first on Penobscot Financial Advisors.
Don’t let the ‘tax tail’ wag the investment dog.
March 8, 2019In 22 years of working with clients, I have yet to have a single person tell me that they want to pay more taxes. Indeed, the objective in managing assets is not to maximize returns, but rather to maximize AFTER-TAX returns. The cardinal rule of investing: “It’s not what you...
The post Don’t let the ‘tax tail’ wag the investment dog. appeared first on Penobscot Financial Advisors.
Ideal Clients
- Gen Y/Millennials
- University Employees
- Wealth Management
- Young Professionals
Ways Advisor Charges
- Monthly Fee
- Flat Fee
- Assets Under Management
Fee Options
- Monthly fee: $75+/mo
- Flat fee: $900+
- AUM: 0.75%
SEC Records
States Registered
- Maine
