Empowering clients to make smart financial decisions through fee-only, comprehensive financial planning.

As a boutique financial planning firm based out of Austin, Texas, we firmly believe that financial decision making should not be driven by emotion. We help our clients clarify financial and life goals and develop a plan to achieve them.

Meet Penny Considine

Penny Considine is a licensed Certified Public Accountant (CPA) and Certified Financial Planner (CFP®). She began her career as a tax accountant at Arthur Andersen and continued as a manager at Ernst and Young (E&Y) in the Personal Financial Services group. She left E&Y to start the financial planning practice at Durbin Bennett Peterson (DBP). At DBP, Penny was a manager in charge of all planning matters as well as heavily involved with the investment advisory group.

Because of Penny’s considerable experience in the financial planning and investment advisory fields, Considine Financial Planning is able to provide services to a wide range of clients.

Licensed Certified Public Accountant, Penny Considine

Our Services

considine financial planning

Retirement Planning

considine financial planning

Estate Planning

considine financial planning


considine financial planning

Investment Review

considine financial planning

College Savings

considine financial planning

Tax Planning

considine financial planning

Charitable Planning

Financial Planning Frequently Asked Questions

Financial planning helps clients clarify financial and life goals and develop a plan to achieve them. The process gives a big picture view of a client’s financial situation to allow a planner to make appropriate recommendations.  The financial planning process covers retirement, estate, college savings, tax, insurance, investment, and charitable planning.

Financial planning provides direction for making financial decisions and clarifies how each decision can affect other areas of your finances.  With a comprehensive financial plan, you can adapt more easily to life changes and feel more secure that your financial goals are on track.  The planning process helps you become more confident and in control of your finances.

Fee-only indicates that you pay a financial planner directly for their services.  This means the planner does not receive commissions or other payments from the providers of financial products they recommend to clients.  An independent, fee-only planner is impartial and makes recommendations that are in your best interest.

Financial planners charge on an hourly basis or as a comprehensive plan fee.  The best planning is comprehensive, and includes all aspects of a client’s financial picture and how all parts inter-relate.

Although there is no set amount for saving because it varies with age and income level, it is important to have, at a minimum, a solid emergency fund of 3-6 months of living expenses.  The next step in savings should be to a qualified retirement plan.  Comprehensive financial planning can help determine the amount you should be setting aside for retirement and for future expenses.

Erica Colon
Erica ColonColor Specialist & Director of Color Education | Maximum FX Salon Spa
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Penny is fantastic! She listened to exactly what I wanted and was really patient breaking down financial jargon into words I could understand. She helped take the stress out of investing.
Christianne Castleberry
Christianne CastleberryOwner | Castleberry Engineering and Consulting
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Penny Considine has been exceptionally helpful to my financial planning over the past many years. She's helped develop a savvy financial plan that integrates both my personal and small business goals for saving, investing, college funding, asset protection, and retirement needs as well as helped me to establish the most suitable retirement plan for my small business. Not only is Penny incredibly knowledgeable, efficient and thorough in her analyses, but she's also just so easy to work with due to her friendly and clear communication style.
George Scariano
George ScarianoOwner | Royal Blue Grocery Stores
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I went to Penny for help setting up 529 funds for my sons' college tuition. She started by listening carefully to what our family needed and then presented a thorough, clear and straightforward set of options. Her expertise in investment and planning made it easy for us to choose the right plan for our budget and timeline. She’s knowledgeable and great to work with!