$544.5M Total AUM
$544.0M Disc. AUM
21.3% 3Y CAGR
12 Employees
590 ADV. Clients
9 yrs Firm Age
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Request a Free TrialFirm Details
- Custodian
- Charles Schwab & Company · Fidelity/NFS · Morgan Stanley · SEI · Tiaa
- Clients
- Retail and Institutional
- Platforms
- PrimeInsight crest +more
- Established Date
- 01-25-2017
- Office Locations
- 3
Office Locations
74 Hammond Street Bangor ME
9 MAY Street Bangor ME
ONE Monument Square Suite 501 Portland ME
About Penobscot Financial Advisors
Penobscot Financial Advisors is a fee-only fiduciary RIA providing holistic wealth management—ongoing financial planning plus discretionary asset management—for individuals and families. CFP professionals deliver personalized plans, supported by CFA charterholders focused on strategic, tax-efficient portfolio construction, often using ETFs and public funds. Custody includes Charles Schwab.
Team overview
36 AVG AGE
$77.8M AVG AUM / ADVISOR
$922.9K AVG AUM / CLIENT
5.1 yrs AVG TENURE
12 Employees
7 Advisory Reps
7 RIA Reps
9yrs Firm Age
Insights
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Asset Classes
Capital prime Insight Quantum signal Quantum Vital eagle
Client Personas
Ember Catalyst
CRM
Value
Custodian
Eagle horizon Eagle
Investment Themes
Bridge Pioneer eagle Horizon wave
Investment Vehicles
Signal
Platform
Ember Focus
Services
Vector momentum Bridge Summit Summit North quantum Focus summit Oak Harbor matrix Crest Zenith
Technology
Delta Focus insight Optima insight
Owner & Executives
J
JAMES EDGAR BRADLEY III
Chief Investment Officer
- CRD
- #2853577
- Ownership
- 50% but less than 75%
(981) 494-3022
matrix.ridge@meridiancapital.com
in linkedin.com/in/oak-horizon
CRAIG ARTHUR JONCAS
Chief Compliance Officer, Chief Executive Officer, Financial Advisor
- CRD
- #5630983
- Ownership
- 25% but less than 50%
(718) 736-1540
focus.value@harborcapital.com
in linkedin.com/in/atlas-ember
Showing 2 of 2 owners & executives
Unlock allContacts
SAMUEL DAVID CHAPLIN
--
- CRD
- #7053342
(453) 661-3715
element.alpha@ridgecapital.com
in linkedin.com/in/legacy-zenith
Y
Yelshaday Teklu Gebreselassie
--
- CRD
- #8077542
(234) 943-1714
north.matrix@glaciercapital.com
in linkedin.com/in/radial-summit
F
Foundation peak
Matrix peak ember
- CRD
- #79451
(649) 725-7689
ember.ridge@vertexcapital.com
in linkedin.com/in/glacier-crest
Showing 2 of 8 contacts
Unlock allAssets Under Management
Total AUM
Discretionary
Non-Discretionary
| Category | Assets | AVG. Account size |
|---|---|---|
| Discretionary | $544,025,369 | $300,733 |
| Non-Discretionary | $507,065 | $253,533 |
| Total | $544,532,434 | $300,681 |
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Separately Managed Accounts
Total SMA Asset: $544,532,434
Public Funds:
11.0% Equity - Exchange:
26.7% Cash:
10.3% U.S. Government/Agency:
35.6% Corporate - Investment Grade:
16.4% | Asset class | Assets | Assets % |
|---|---|---|
| Public Funds | $599,033,818 | 11.0% |
| Equity - Exchange | $1,454,018,449 | 26.7% |
| Cash | $560,913,484 | 10.3% |
| U.S. Government/Agency | $1,938,691,265 | 35.6% |
| Corporate - Investment Grade | $893,104,965 | 16.4% |
| Total | $5,445,761,981 | 100.0% |
13F Holdings | Q1 2026
| Issuer | Class | Cusip | Ticker | % | Value |
|---|---|---|---|---|---|
| ATLAS SIGNAL NORTH | BEACON INSIGHT | ALDS0XK33 | ICQC | 9.99% | $68,121,762 |
| SIGNAL VITAL | FOCUS RIDGE | J2EH5ED51 | BHLD | 9.70% | $87,109,610 |
| NORTH DELTA | PRIME SUMMIT | F5X6AHTD3 | ETBCA | 11.45% | $55,856,927 |
| SUMMIT CATALYST RADIAL | NORTH GLACIER | WDMA6SXZD | RWLU | 5.49% | $93,621,858 |
| DELTA LEGACY ELEMENT | PIONEER MOMENTUM | RY6TSRZM8 | KMNO | 5.43% | $47,689,582 |
| PRIME PEAK UNISON | UNISON RADIAL | 5L1RSB49N | FJFC | 11.64% | $13,485,019 |
| MERIDIAN SUMMIT | CATALYST EAGLE | 1I73PA0XQ | YSCJA | 11.41% | $95,650,597 |
| DELTA OAK | LEGACY EMBER | TKZ2J0AES | NUN | 9.77% | $10,184,759 |