Personal Financial Planning Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Personal Financial Planning, Inc. provides personalized financial planning and investment management to individuals — including non‑high‑net‑worth clients — as well as pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses. The firm delivers written financial plans, ongoing portfolio oversight and, where applicable, places life and health insurance products as part of implementation; it manages roughly $18 million for about 56 clients.
The firm follows a strategic asset‑allocation, core‑and‑satellite approach that uses passive, no‑load ETFs and mutual funds as the core and selectively adds active funds or individual securities in satellite positions, and it documents objectives in investment policy statements for discretionary trading. Fee arrangements are intentionally flexible: clients can engage the firm under fixed‑fee or hourly planning arrangements or under ongoing percentage‑of‑assets management agreements, and client‑imposed investment restrictions are accommodated.
Distinctive features for a firm of this size include operating primarily as a fee advisor while also acting as an insurance broker/agent and maintaining an affiliation with an insurance entity, and offering the uncommon combination of fixed, hourly and AUM‑based billing options along with direct implementation. The firm is privately owned, maintains custody through third‑party custodians (it does not act as custodian), does not use performance‑based fees, and is not a private‑fund adviser.
Client services
Expertise
Fee options
Financial planning fees $1,000 to $5,000, negotiable
$0 - $1,000,000: 1.45% $1,000,000+: 1.00% (negotiable)
Standard commission income from sale of insurance products (optional)
$225 per hour for hourly planning engagements with $750 minimum
Account minimum: $100,000 Fee-only: Financial planning fees range from $1,000 to $5,000; hourly planning engagements at $225 per hour with a $750 minimum
Main office
3536 Brambleton Ave, Suite 8 A
Roanoke VA 24018
Advisors at this office
1
Most active in
Virginia
Also doing business as
Personal Financial Planning Inc. · Personal Financial Planning, Inc
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
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