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.
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.
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
★★★★★
I've worked with Penny for years, both on a professional and personal level. I've found her to be knowledgeable, punctual and thorough, always trying to remain up-to-date with ever-changing tax laws and financial matters. Her commitment to her business is matched by her commitment to Lancaster through community involvement. One can be assured that Penny is someone who loves her hometown and is dedicated to running a business that aims to be an asset to the community. Lifetime Financial Planning is just that.
Jamie Culver
★★★★★
We have worked with Penny for 5 years. The best endorsement I could give is to refer friends to her for not only tax advice/preparation but also financial planning. She explains in easy-to-understand rationale why she is making certain suggestions. I appreciate too how quickly she replies to questions between formal meetings.