Randall Wall


Penn Cove Financial, LLC

Certified Financial Planner(TM) Professional

Randall Wall


Penn Cove Financial, LLC

Certified Financial Planner(TM) Professional

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Randall Wall, CFP® MBA

Fee-Only financial planner located in Oak Harbor, WA, serving clients locally and across the country

Randall Wall is a Oak Harbor, WA fee-only financial planner. Penn Cove Financial, LLC provides comprehensive and objective financial planning and portfolio management to help middle-income clients and small business owners organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Randall Wall is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Randall Wall is an Oak Harbor, WA fee-only financial planner and owner of Penn Cove Financial, LLC.

I began investing with my first mutual fund purchase in 1983. I've continued studying investments and financial planning ever since, becoming a member of the American Association of Individual Investors in 1984. I earned the Bachelor of Science in Business Administration (cum laude) at Chapman University and a Master of Business Administration degree at Columbia College of Missouri.

I completed Boston University’s Online Program for Financial Planners in 2006.

Most recently, I began the Master of Science in Finance & Economics at West Texas A&M University online in 2017.

I began formally helping others reach their financial goals in 1991, as the Command Financial Specialist aboard USS Dixon (AS 37), as part of the US Navy’s then-new Personal Financial Management program. I served in the same position at Afloat Training Group in Yokosuka, Japan.

After completing a Navy career, I worked at Bank of America, first in Northwest Dealer Banking, and was soon promoted to Investment Specialist in Retirement Services.

I enjoy helping others apply principles of financial management to their personal situations, and teach courses in: Personal Financial Planning; Business Finance; Principles of Real Estate; and Investments for Columbia College in Oak Harbor and Marysville. I also taught Personal Finance & Investments for Skagit Valley College from 2004 through 2016.

Professional memberships include the Financial Planning Association, National Association of Personal Financial Advisors (NAPFA), XY Planning Network, and the Fee-Only Network. Penn Cove Financial was established in 2005 and began offering Financial Planning services to the public in March 2006. 

Randall Wall is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Penn Cove Financial, LLC is a fee-only, comprehensive financial planning firm located in Oak Harbor, WA. We provide services primarily to middle income clients and small business owners. As an independent adviser, Penn Cove Financial is able to offer clients objective, unbiased financial guidance.

Penn Cove Financial’s approach to personal finance is to focus on highly personal service, to be that trusted adviser to whom you can turn for questions great and small. We believe in having fewer, more intimate relationships and offering a more value-added service to our clients.

Penn Cove Financial’s passion is to help clients integrate their personal life goals and their financial affairs. Since each person’s goals vary, the recommendations generated will be unique to your situation. Each of the financial planning topics below is important, but integrating them all into a cohesive strategy is essential to your overall financial and lifestyle success.

Insurance and Risk Management - balancing the objectives of preservation and growth

Investment Planning - to design and implement an investment policy tailored to meet your specific needs

Retirement Planning and Employee Benefits - projecting future income needs and balancing cash flow with sources of income and assets

Tax Planning- minimize your tax liability to keep more of your money working for you

Estate Planning- preservation and tax-efficient transfer of wealth from generation to generation 

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Randall Wall is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Randall Wall is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • XY Planning Network
    Randall Wall is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

  • Financial Planning Association
    Randall Wall is a member of The Financial Planning Association® (FPA®)

    FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.

Contact Randall Wall

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Office Locations:

  • 1072 Landing Cir
    Oak Harbor, WA 98277

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