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We are a values-based financial planning firm, built on the core belief that ‘Two are Better than One’. Our holistic approach to financial planning and advice is client-centric and driven by our five core values:
Our motto: "Two are Better than One"
Pursuing our very best every time
Committed to staying true to our word
Our protection against greed and ego
Being ourselves in every situation
As one of our core values, teamwork is an integral part of everything we do. We serve clients through a team-based model, allowing us to provide exceptional client service and develop the next generation of advisors through strategic mentorship.
Our clients benefit from a proven process that aligns our planning with their unique goals and needs. We take an integrated-care approach to finances and leverage experts to provide our clients with a holistic view of their full financial picture, from estate planning to tax strategies and charitable giving. Our differentiated service model provides a unique value proposition for our clients and as an independent RIA, we are able to offer the best solutions to solve the individual needs of each client.
Certain appropriately licensed individuals are registered to offer Investment Advisory Services through 49 Wealth Management, LLC (“49WM”), an SEC Registered Investment Adviser. 49WM does not provide tax or legal advice and is not a certified public accountant. Any decisions on whether to implement any ideas on this website should be made by the client in consultation with professional financial, tax, and legal counsel.
This site is published for residents of the United States only. Investment Advisor Representatives of 49WM may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact the 49WM Compliance Department at (512)241-7341.
These materials have been independently produced by 49 Financial. 49 Financial is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them. 49 Financial provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.
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Travis Penfield is the Founder and CEO of 49 Financial, a values-based financial planning firm headquartered in Austin, Texas. Since launching 49 Financial in 2019, Travis has led the firm to remarkable growth, now overseeing a team of over 150 advisors across 9 offices nationwide. Under his leadership, the firm has become a beacon for the next generation of financial advisors, with a focus on hiring, developing, and retaining young leaders who are passionate about making a meaningful impact on their client’s lives.
Travis’s journey in the financial industry began after he graduated Magna Cum Laude from Texas A&M University with a degree in Finance from Mays Business School. He started his career at Deloitte Consulting before transitioning to AXA Advisors, where he quickly distinguished himself by breaking records in hiring, retention, and development. His early success at AXA laid the foundation for the creation of 49 Financial, where he and his founding partners built a firm centered on the principle that collaboration leads to greater success—a belief encapsulated in the company’s motto, “Two are better than one,” derived from Ecclesiastes 4:9.
Travis lives in Austin with his wife Jaclyn, their daughters Charlotte, Olivia and Madison, and their goldendoodle Duncan. In his spare time, he enjoys playing with his girls, golfing, catching a Peloton ride, and savoring good food and wine.
With decades of experience in financial services, Austin brings a wealth of expertise to his role as Chief Investment Officer at 49 Financial. A respected voice in the industry, he has been featured and quoted in leading publications such as Barron’s, CNN Business, Yahoo! Finance, MarketWatch, and others.
Austin holds an MBA from the Krannert School of Management at Purdue University, where he also received his bachelor’s degree. He holds the Chartered Financial Analyst (CFA®) designation, which he earned in 2012.
Jay Coulter is 49 Financial’s Chief Investment Strategist and also the creator of FinancialAdvisor.TV. He has been quoted in various industry publications including Investment News, ThinkAdvisor, Financial Advisor Magazine and CityWire. As an avid podcaster, he hosts one of the industry’s longest-running podcasts, The Resilient Advisor Show.
Jay holds an MBA from the Goizueta School of Business at Emory and a bachelor’s degree from the University of Tennessee. He has earned the Certified Investment Management Analyst® designation and is a CERTIFIED FINANCIAL PLANNER™.
Amber Allen is a seasoned professional in the financial services industry with 18 years of experience, primarily in Private Banking and Wealth Management. Throughout her career, she has expertly guided high-net-worth individuals, leveraging her extensive knowledge and skills to deliver exceptional financial solutions. Amber holds an MBA and is a Chartered Financial Consultant® (ChFC®), underscoring her dedication and expertise in the industry.
Based in Houston with her husband, Quinten, and their two sons, Amber is a dedicated supporter of her family’s sports endeavors. Her commitment extends beyond her professional realm; she is fervently involved in mentoring young women, helping them excel in leadership roles and achieve their career goals. Amber also dedicates her time to promoting financial literacy, working to provide essential resources and education to those who need it most so they can secure their financial futures.
Dan has spent his career in the financial services industry developing processes to streamline organizations and accelerate the performance of financial advisors. With an extensive background in operations, he brings a track record of high performance and a detailed understanding of long-term strategic planning to yield high ROI.
Before joining 49 Financial, Dan spent over 15 years with Equitable Advisors in senior field leadership roles as a Branch Operations Manager and Leadership Development Director. In those roles, he was recognized as a top leader at the organization for accelerating the licensing process for new advisors and earned accolades from the Jacksonville Business Journal for being a top CFO. As the SVP of Field Operations, Dan oversees the Compliance operations and business processing functions within 49 Financial.
Dan graduated from the University of Miami and holds his Series 7, 6, 66, and 24 licenses. He and his wife, Edith, live in Jacksonville, where they enjoy spending time with their five children, biking to the beach, and building furniture.
