The path into financial services for us wasn’t just professional—it was deeply personal.

For PangNhia, the journey began through loss. After experiencing the loss of several loved ones, including the heartbreaking loss of a child and later her sister, she saw firsthand the emotional and financial burden families can face during some of life’s most difficult moments. When her sister passed away without adequate life insurance coverage, our family was left trying to figure out how to cover funeral expenses. We found ourselves asking others for help just to properly lay our loved one to rest—an experience that was both painful and humbling.

That moment stayed with us.

It became clear that many families are simply not prepared for life’s unexpected moments—not because they don’t care, but because no one ever took the time to explain things in a way that truly made sense.

When PangNhia and Derrick met, life insurance wasn’t something Derrick had in place either. Over the years, he had also seen many people around him go without coverage—not because they didn’t want to protect their families, but because the information was never simplified or explained clearly. Too often, financial products are presented in complicated terms, leaving people confused and unsure about what steps to take.

Those shared experiences shaped the mission behind PNT Financial Services.

We became committed to helping others understand the importance of financial protection and preparation. Our goal isn’t simply to provide services—it’s to educate individuals, families, and business owners so they can make informed decisions about their financial future.

Because no family should have to navigate life’s most difficult moments without the knowledge and preparation needed to protect the people they love.

From there, we took our combined backgrounds in accounting, human resources, and tax services and built PNT Financial Services into a place where multiple aspects of financial planning could be addressed under one roof.

We spent countless hours building relationships with trusted professionals and strategic partners who help fill in the gaps for our clients. These partnerships allow us to connect individuals, families, and business owners with the resources they need so they can see the full picture as they build plans for their future.

Today, PNT Financial Services is built on the belief that financial planning should not happen in pieces. By bringing together financial education, tax mitigation strategies, retirement planning, protection planning, income protection, long-term care preparation, healthcare guidance, and estate planning support, we help our clients move forward with clarity, confidence, and a stronger foundation for the future.

Because when people understand their options, they are empowered to protect what they’ve built and plan confidently for the life ahead.