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Personal Financial Partners

Updated today

Client AUM

$21,152,596

Clients

57

Advisors

1

of 1 employees

About

Personal Financial Partners is a fee-only, independent advisory firm that works with individual and high-net-worth household clients as well as pension plans and corporate or business clients, providing wealth management, financial planning, and retirement plan consulting and management. The firm operates as a solo practice and delivers discretionary portfolio management alongside project-based and ongoing financial planning services.

The firm combines a disciplined, portfolio-construction approach — drawing on modern portfolio theory and a mix of passive and active strategies — with tailored planning that can incorporate tax, estate, risk management, and socially responsible investing preferences. Investment recommendations commonly use stocks, bonds, mutual funds, and ETFs, and portfolios are monitored on a regular cadence with client-imposed restrictions accommodated in writing.

Distinctive features include an explicit practice serving employer-sponsored retirement plans and acting in an ERISA fiduciary capacity (including serving as an investment manager under Section 3(38) for some plans), which is less common among independent solo advisers. The firm is newly formed and relatively small (about $21.2 million in discretionary AUM across a limited client base) and requires client custody on an institutional Schwab platform, a practice that may affect execution and platform access relative to peers.

Client services

Financial planning Portfolio management Pension consulting

Expertise

Wealth management College savings (529s, UTMA, etc.)

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Fee options

Fixed

Project-Based Financial Planning fee not to exceed $5,000, negotiable

Percentage

$0 - $250,000: 1.45% $250,001 - $500,000: 1.25% $500,001 - $1,000,000: 1.10% $1,000,001 - $2,000,000: 1.00% $2,000,001 - $3,000,000: 0.80% $3,000,001 - $4,000,000: 0.60% $4,000,001+: 0.50%

Other

Fee-only: Financial planning services annual fee up to $5,000, negotiable; Project-Based Financial Planning fixed fee up to $5,000, negotiable

Main office

5425 Wisconsin Ave, Suite 600

Chevy Chase MD 20815

Advisors at this office

1

Most active in

District of Columbia · Maryland · Texas · Virginia

Also doing business as

Personal Financial Partners · Personal Financial Partners LLC

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

Sergio A

CFP®

Chevy Chase, MD

Personal Financial Partners

Sergio started his career with the most rigorous academic training. He earned the degree of Masters of Science and PhD (UCLA, 2007, 2011 respectively) and worked for the National Academies and the National Oceanic and Atmospheric Administration creating and developing numerical models that are used to help advance understanding on topics that include hurricane prediction and stock market evolution. He has extensive experience creating and interpreting results of what is known as Monte Carlo simulations, that today are used at the core of comprehensive financial plans. Sergio obtained the Certified Financial Planner CFP® certification (industry standard) awarded to fiduciary financial advisors that abide by its Code of Ethics and Professional Responsibility, and that meet its educational, knowledge and experience requirements. Sergio was recruited in the financial industry and worked for a Fortune 500 financial company where he lead a team that serviced hundreds of families and individual investors. He also served as part of leadership directly serving more than 60 financial advisory teams, aiming to improve the depth of their client service and support their career advancement. Sergio regularly lectures on Personal Finance topics with the National Institute of Transitional Planning. He has spoken on the topic at the Treasury department and at the World Bank. He has also been a speaker at dozens of professional organization meetings, nationally and internationally. With 25 years of experience blending rigorous objectivity and the subjective, Sergio founded Personal Financial Partners, a firm that provides financial planning and investment management services to individuals, families, and businesses. The firm operates as a fiduciary, helping clients apply high quality academic research, and leverage the latest technology and the most established financial institutions.

Wealth management College savings (529s, UTMA, etc.)
View complete list of advisors at this firm
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