Aerial view of Lancaster, Ohio
Lancaster, Ohio · CPA · CFP® · PFS

Planning today for the life you want tomorrow.

Comprehensive, unbiased guidance from a CPA, CFP®, and PFS - helping you make informed, confident decisions at every stage of life. Fee-only. No products sold. Always in your corner.

Fee-only & fiduciary.We sell no investment or insurance products - so our only interest is yours.
What We Do

Integrated expertise, built around your life

Three connected disciplines under one roof - so your tax, financial, and business decisions work together, not in isolation.

Completed Form 1040 tax return

Tax Planning & Preparation

Proactive planning and preparation for individuals, small businesses, trusts, estates, and nonprofits.

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Financial planning book with notes

Financial Planning

Fee-only, hourly financial planning that integrates tax, retirement, and estate strategy.

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Accounting Software Support

Accounting Software Support

Setup, training, and ongoing support that helps small businesses keep clean, reliable books.

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Penny Wasem meeting with a client
Why Work With Us

Advice built entirely around you.

Most firms earn commissions on the products they recommend. We don't sell products at all. That single difference changes everything about the advice you receive.

Fee-only & product-free

No commissions, no sales quotas, no hidden incentives. You pay us directly for our time - so our recommendations are driven solely by what's right for you.

Three credentials, one strategy

As a CPA, CFP®, and PFS, Penny sees how your tax, retirement, and estate decisions connect - and coordinates them so nothing works against your long-term goals.

A small team that knows you

You work directly with the people making the decisions. Our boutique practice is built for lasting relationships - clients who stay with us for decades, not tax seasons.

About the Firm

A trusted partner for your financial life.

Founded by Penny L. Wasem, CPA, CFP®, PFS, our practice rests on a simple conviction: financial planning should start with your whole picture, not just your investment account.

Alongside a small, trusted team, she brings the rare combination of three credentials and decades of experience to every client relationship.

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The Lifetime Financial Planning Solutions team
Who We Serve

Trusted across every kind of financial life

Individuals & Families

Small Businesses

Trusts & Estates

Nonprofit Organizations

Client Voices

Relationships that last a lifetime

It has been such a pleasure working with Penny Wasem over the past several years. Her knowledge, professionalism, and attention to detail take the stress out of navigating the complexities of tax preparation. What truly sets Penny apart is the genuine care she shows her clients. She is always kind, incredibly responsive, and makes us feel like a priority. We have complete confidence in her guidance and sincerely appreciate the peace of mind she provides. We wholeheartedly recommend Penny to anyone looking for a knowledgeable, trustworthy, and caring tax professional.

Steve and Joyce Cox

Showing testimonial 1 of 3: Steve and Joyce Cox

Get the tax and financial planning expertise you need.

Start with a conversation. We'll listen first, then show you exactly how objective, integrated planning can work for your life.