Personal Financial Profiles Inc
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$322,019,141
Clients
228
Advisors
2
across 2 offices
About
Personal Financial Profiles Inc. is an SEC-registered investment adviser serving individuals and pension and profit-sharing plans, managing roughly $335 million across about 228 client accounts with a two-advisor team. The firm provides discretionary portfolio management through its Elite and Premier managed-account programs custodial at Schwab, and also offers separate financial planning services on an hourly or fixed-fee basis.
PFP’s investment process blends behavioral, fundamental and technical analysis and may employ a range of strategies, including long- and short-term holdings, options, margin and short sales; the brochure discloses that active options or margin trading can lead to higher portfolio turnover and additional risks. The firm uses a leading portfolio-management technology with enhanced rebalancing and reporting features, conducts at least quarterly account reviews, and allows clients to place reasonable restrictions on how their accounts are managed.
Noteworthy aspects include the firm’s relatively large asset base managed by a small advisory team and formal disclosures about potential conflicts of interest: some advisory personnel are registered representatives of a FINRA broker-dealer and hold insurance licenses, and the firm discloses it financially benefits when retirement rollovers are moved into managed accounts. PFP does not accept directed brokerage, does not accept proxy-voting authority (clients retain voting responsibility), and leverages Schwab institutional/prime brokerage capabilities to access third-party bond inventory.
Client services
Expertise
Fee options
Fixed fees for financial planning based on scope and complexity; negotiable
$0 - $500,000: 1.25% annually $500,001 - $1,000,000: 1.00% annually $1,000,001 - $3,000,000: 0.80% annually $3,000,001 - $5,000,000: 0.60% annually Over $5,000,000+: 0.50% annually
Associated persons may earn commissions as registered representatives of APW Capital, Inc.
$250 per hour
Account minimum: $250,000 for Elite Account; $25,000 for Premier Account (negotiable in some cases) Fee-only: Hourly rate of $250/hour; Fixed fees based on scope and complexity, negotiable
Main office
See office10100 W. Sample Road, Suite 300
Coral Springs FL 33065
Advisors at this office
1
Offices (2)
Most active in
Florida · New Jersey · New York · Pennsylvania · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Frank P
Series 63, Series 65
Coral Springs, FL
Personal Financial Profiles Inc
Frank Pugliese is a financial advisor with Personal Financial Profiles Inc. holding Series 63 and Series 65 designations and over 50 years of industry experience. He has worked at Personal Financial Profiles Inc. since 1992, with prior roles at APW Capital, Inc. and currently serves as Chairman-Emeritus of Personal Financial Profiles Inc. He is also involved with Chatham Hills Homeowners Association. Personal Financial Profiles Inc. is an SEC-registered investment adviser managing approximately $335 million across 228 client accounts, serving individuals and pension and profit-sharing plans. The firm provides discretionary portfolio management through managed-account programs and offers separate financial planning services, using a blend of behavioral, fundamental, and technical analysis with multiple investment strategies.
David M
Series 63, Series 65
Naples, FL
Personal Financial Profiles Inc
David Maggio is a financial advisor at Personal Financial Profiles Inc. He holds Series 63 and Series 65 licenses and has 30 years of industry experience. His work history includes roles at Personal Financial Profiles Inc. since 2013 and Apw Capital, Inc. since 2014. Outside of advising, he is involved in insurance sales through ELM44 Financial Group, LLC. Personal Financial Profiles Inc. is an SEC-registered investment adviser serving individuals and pension and profit-sharing plans, managing approximately $335 million across about 228 client accounts with a two-advisor team. The firm offers discretionary portfolio management through managed-account programs and separate financial planning services, using a blend of behavioral, fundamental, and technical analysis with various investment strategies.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)