We pride ourselves on helping our clients achieve financial independence. Our talented team is dedicated to helping you achieve your goals through smart strategies. We don't view our clients as just another number in the book. We understand your finances are the foundation for your livelihood, and we don't take that lightly.  Our team of trustworthy and dedicated advisors give nothing less than our best to every client. 

Business Meeting


A lot of other financial planning companies are out for your money and can often view you as another number in the book. At Penn Financial, we see you for more than your money or assets. We get to know you on a personal level, and help create financial plans that not only set you up for retirement, but also help you achieve life milestones. Wanting to open your own business? Preparing to grow your family? Saving to buy your first house? Wanting to distribute your assets to family? Entering into retirement? Our team is ready to be a part of your life and help guide your finances a long the way! 


Benton Penn, LUTCF, FSCP 

Sr. Vice President


Phone: 434-290-1266

Benton is a Vice President and Wealth Advisor with MassMutual. 

As a member of the financial services industry, Benton has a tremendous passion for working with potential clients to help educate and provide clarity on how one can most efficiently achieve their financial goals.

Benton graduated from Mississippi State University with a Bachelor of Arts degree in Political Science. Benton began his career in 1992 with Colonial Life and Accident as the 4th generation of his family working with clients in the area of protection, retirement, and income planning.  Benton specializes in working with clients to help them meet their goals through a holistic planning process that looks at every area of a client's financial needs and desires.


While licensed and registered in multiple states, Benton currently maintains FINRA Series 7, 63, 66 and also holds series 24, 51 & 53 securities registrations, which allow him to act in a principal capacity as well as a Life Insurance license. Benton focuses on strategies that assist clients in realizing and protecting the things that matter most.

Benton is currently based out of Charlottesville, VA; however, he works with multiple clients, both locally and out of state

Luke Brown

Financial Services Professional


Phone: 434-818-0776

Luke grew up in Northern Virginia until he left for Lynchburg to attend Liberty University. Throughout college, he worked for a financial company part time and was able to get his series 6 and 63, as well as his life and health insurance license. While working there, his interests in finance and investing grew to the point that he began looking for a full-time position in financial services and found that position with Merrill Lynch.  In the process of working at Merrill, he gained his series 7 and 66 licenses and knowledge of how businesses structure themselves for taxes.  He continues to pursue new relationships and partnerships and is excited about helping others achieve their financial goals and dreams.

Andy Young, 

Managing Associate & Wealth Advisor


Phone: 434-290-1266


Andy’s primary focus is working with business owners and 501c(3) leaders from the community with developing a financial plan to assist them with cash flow, investments, tax minimization, risk and protection planning as well as an estate plan.  This focus comes from seeing his Grandfather retire from the railroad and start a business at 37 years old. Owning a closely held family business showed the struggles and success that occur on a daily basis.


Andy grew up in Lebanon, VA in Southwestern Virginia and relocated to Lynchburg in 2014.  He lives in Campbell County with his wife Sarah and daughters Josie & Grace.  When not in the office he spends his time with the family at SeaQuest or outside playing with his girls.


He hosts a weekly podcast, Dream Achievers with The Mountain Money Man featuring people from Central and Southwestern Virginia.

Tim Zirkle

Financial Services Professional

Email: | Phone: 434-771-4012

Life Insurance, Health Insurance, Medicare Supplements, Financial Services, Group Health, Disability, and Life

Tim received a Bachelor of Science from Longwood University and a master’s degree from East Carolina University. Tim Zirkle is the owner of Zirkle Insurance Agency, a Virginia-based insurance advisor and broker, specializing in providing insurance and financial services.

As a 13-year veteran in the insurance and financial services profession, Tim specializes in helping individuals, couples, families, and businesses find the best insurance plans to meet their present needs as well as providing a foundation for the future.


Tim’s first focus is engaging with and establishing a relationship with clients in order to be able to provide sound financial education and advice and find the right insurance and financial planning solutions to meet his clients’ needs.


Tim holds State of Virginia Life, Health, and Annuities license and AHIP Certification (Medicare/Medicaid Plan Provider) and is contracted with Anthem, Humana, Aetna, Cigna, and Optima to provide health insurance services. Tim is contracted with MassMutual Team under Benton Penn Financial Group to provide financial services.

Prior to entering the insurance profession, Tim spent 23 years as a hospital/medical clinic management professional. This experience provided him with a unique understanding of the needs of individuals and businesses with regard to healthcare and insurance options to provide for that care. Tim has also served actively for over 30 years as a coach and mentor to youth in the public school and community sports program arenas and to disabled adults through the Special Olympics and National Veterans Wheelchair Games and Veteran Golden Age Games.


Tim is married, has three sons and one granddaughter, and is an avid sports fan.

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