Bobby Cremins, CFA®, CFP®, CKA®

Build the Stress-free Retirement You Deserve

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Metanoia Financial Bobby Cremins, CFA®, CFP®, CKA®
Philadelphia, Pennsylvania

Serving Clients Nationwide

Build the Stress-free Retirement You Deserve

Areas of Focus

  • Family and Money
  • Financial Life Planning
  • Investment Management
  • Living in Retirement
  • Taxes

About Me

My name is Bobby Cremins and I’m the founder of Metanoia Financial.

A few quick notes about me:

I’m a Christian, a husband, and a father, and these are the three titles I hold most dear. I’m also the founder of Metanoia Financial. I love people and numbers so I became a financial planner. I’m really into healthy eating and I try not to eat processed foods, added sugars, salt, or oil…but I do cheat. I used to play “real” sports, but now that I’m older and terrible, I just run.

Here’s my bio summed up in five bullets.

✅ I started off in finance working at a regional bank, SunTrust, helping people with more transactional needs like opening home equity lines, loans, checking accounts, money market accounts, etc.

✅ I found that I really enjoyed finance because it brought numbers to life, but I wanted to build deeper, lasting relationships with clients so I moved into wealth management / financial planning at Morgan Stanley (then Smith Barney)

✅ I was recruited to move to Merrill Lynch/Bank of America as the world seemed to be falling apart. I thought I was moving to a more secure financial institution…ha!

✅ As I watched what seemed to be the demise of modern finance and capitalism with it, I stumbled onto Biblical stewardship via Crown Financial and Financial Peace University

✅ After seeing a different approach to personal finance, I started Metanoia Financial to provide Biblically-based financial planning and advice

Professional Designations

  • Certified Kingdom Advisor (CKA)
  • Chartered Financial Analyst (CFA)
  • Chartered Life Underwriter (CLU)


  • Fee Only Network
  • XY Planning Network

Primary Location


Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Fee Only
  • Flat Fee
  • Percentage of Assets Managed
  • Subscription

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule a free 15-minute get-acquainted call. This is an introductory call for prospective clients. I'll ask a few questions to find out a little about your situation and see how I might best be of service to you.

Offers Investment Management


About our Firm

Metanoia Financial helps clients who are nearing (or in) retirement develop an investment strategy to create a sustainable lifetime income while leaving a legacy for the people and organizations they love.

Metanoia also works with successful younger investors who are looking for a Personal CFO to help them create and sustain a plan to build multigenerational wealth.

Invest and Plan the Right Way

✅ Financial Planning: You shouldn’t have to stress yourself over big financial decisions. We help you create a financial plan that works with your needs to make sure you’re covered now and tomorrow.

✅ Retirement Planning: A wise retirement plan is one that covers every scenario. With long-term care strategies that include estate planning, we make it easy to pass on your legacy.

✅ Investment Management: We design an investment strategy that helps you live out your dream retirement.

✅ Tax Planning: Taxes don’t have to be stressful. We help you save on your taxes, so you maximize your investment potential and avoid unnecessary headaches.

Metanoia Financial exists to help individuals and families create and implement a plan for their financial lives based on sound, timeless, common sense, Biblical principles.


University of Colorado Boulder


Hobbies and Interests

  • Family
  • Running

Who We Serve

  • Baby Boomers
  • Business Owners
  • Corporate Executives
  • Couples
  • Dual Income Family
  • Gen X
  • Gen Y / Millennials
  • Intergenerational Families
  • Living in Retirement
  • Parents