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Financial freedom is the end game and PenAir is your coach

No matter your money goal, PenAir’s got a tool for that. We’re your coach and your cheerleader that will help you win the game of life. Give me a “T”…just kidding.

How can we help get you started?

With each new life stage come new financial needs.

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Getting Started

When you are young and just setting out on your own there are many new financial challenges. In this stage of life you are faced with:

  • Whether or not to consolidate student loans
  • How to manage your checking account
  • How to establish credit
  • How to improve credit
  • Understanding an apartment lease
  • How to get involved in your 401K

You got this!

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New Beginnings

New beginnings can be so exciting but they can also cause financial stress. In this stage of life you are faced with things like:

  •    Budgeting for a wedding
  •    Merging finances
  •    Saving to buy a home
  •    Raising money smart kids

Planning the financial aspects of these big life moments helps to ensure they are happy ones!

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Life's Curveballs

Life is series of ups and downs. There are ways to prepare for and manage the hard financial times that come your way. Curveballs come in several varieties:

  • Health issues
  • Unemployment
  • Reduction of overtime
  • Divorce
  • Natural Disasters

If you are looking for resources to guide you through troubled financial waters, we’ve got them!

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Managing Debt

Are you feeling overwhelmed by the amount of debt you are carrying? Would you like to learn how to reduce your debt load?  In this life stage we cover things like:

  • Controlling your credit card usage
  • Strategies for reducing your debt
  • Managing your mortgage
  • Repaying student loans
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You have made it…you are about to retire! You may be wondering, how do you know if you are ready to retire? And how should you manage your finances in retirement? This life stage includes many important financial decisions regarding:

  • Social Security
  • Planning Your Estate
  • Preserving Your Wealth
  • Protecting yourself from elder abuse and financial scams targeted at seniors

Find the tools that aligns with your goals

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Counseling Services

Start with the basics for Debt and Budget Coaching, Credit Report Review, Student Loan Coaching, Homeownership Coaching, and so much more!

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Learn the basics of personal finance with the BalanceTrack educational modules. Register for a free user account or log in to get started.

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Attend free money management webinars. Learn the basics of financial planning, and create a future of security and opportunities.

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Online Tools

Access financial education anytime you need it. Increase your know-how with articles, financial calculators, videos, checklists, quizzes, and more.

Looking for more reasons to start learning?

Financial literacy includes paying off debt, creating a budget, and understanding the difference between various financial instruments. In sum, financial literacy has a material impact on families as they try to balance their budget, buy a home, fund their children’s education, or ensure an income for retirement.

Financial literacy classes teach students the basics of money management: budgeting, saving, debt, investing, giving and more. That knowledge lays a foundation for students to build strong money habits early on and avoid many of the mistakes that lead to lifelong money struggles.

Making big financial decisions can be difficult, even in the best circumstances

Our blog is chock full of helpful tips for saving money, building smart money management habits, getting the most out of your home, keeping your finances secure, and all sorts of other money hacks.

Chipping Away the Debt

This month I am steadily chipping away at credit cards debt....
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Getting Back on Track

We’ve got some catching up to do this month....
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Discipline is Key!

In November, we opened two Christmas Club accounts.  ...
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