Craig Joncas, CFP® Penobscot Financial Advisors

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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!

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Recently Published

How to know when it’s time to work with a Financial Planner

November 15, 2019

There’s plenty of conventional wisdom out there (and Google search results) surrounding the question of “When is it time to work with a Financial Planner?” This week, we’ll touch briefly on the ‘usuals’.  These are the things that any newspaper, magazine or uncle tackling the question will tend to provide...

The post How to know when it’s time to work with a Financial Planner appeared first on Penobscot Financial Advisors.

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Portfolio Income vs. Income Portfolios

November 8, 2019

There might not be many areas with more confounding terminology than that of investing.  Even some of the very basic terms and concepts can leave you scratching your head. An example of this:  Portfolios are often referred to as ‘growth portfolios’ or ‘income portfolios’.  Sometimes, we’ll get really clever and...

The post Portfolio Income vs. Income Portfolios appeared first on Penobscot Financial Advisors.

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Your 4-Step Long Term Care Plan

November 1, 2019

By Kerry Peabody, CLU, CLTC, Long Term Care Insurance Specialist Say “long term care” and everyone immediately pictures a 94-year-old woman tucked away in a nursing home. It’s that perception that prevents many people from planning for long term care. Nobody wants to envision themselves in a nursing home, so...

The post Your 4-Step Long Term Care Plan appeared first on Penobscot Financial Advisors.

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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

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