Two Is Better Than One: The Secret Sauce Driving Results at One Fast-Growing Hybrid RIA

Financial Advisor Magazine · 2026

Two Is Better Than One: The Secret Sauce Driving Results at One Fast-Growing Hybrid RIA

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Travis Penfield

Founder & CEO, 49 Financial

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Mike Papedis sits down with Travis Penfield, founder and CEO of 49 Financial — a $3B hybrid RIA built on a values-based, team-first philosophy rooted in Ecclesiastes 4:9. The conversation explores how 49 Financial's "supported independence" model eliminates the tradeoff advisors have historically been forced to make between autonomy and infrastructure.

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Mike's Take

"The advisors I see burning out aren't the ones working too hard — they're the ones carrying weight that should be distributed across a team. If your model still puts one advisor at the center of every client relationship, every decision, and every crisis, that's not a practice. That's a trap. The firms growing fastest right now are the ones that figured out how to make collaboration structural, not optional."

This interview was originally published in Financial Advisor Magazine.

Read Full Interview in Financial Advisor Magazine →
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