Personal Financial Solutions, LLC

Personal Financial Solutions, LLC is an SEC-registered investment adviser that serves primarily individual clients (including high-net-worth and non-HNW), as well as trusts, businesses, and qualified retirement plans; the firm reports approximately $155.65 million in discretionary assets under management across 131 client relationships and two advisors. Services include comprehensive CFP-style financial planning (available as full plans or a la carte), one-time or periodic investment advisory engagements, and ongoing portfolio management with quarterly reporting.

Portfolios are managed using a combined strategic and tactical framework with an initial Statement of Investment Policy, multi-level diversification across equity categories and growth/value styles, and regular rebalancing and manager review each quarter; the firm typically implements allocations through mutual funds and exchange-traded funds selected for manager tenure, style consistency, and sector exposure. Investment analysis incorporates fundamental, technical, cyclical, and charting methods, and the firm may employ limited advanced strategies when appropriate (including margin, short sales, options) and may recommend rollovers or indirect cryptocurrency exposure via vehicles such as GBTC.

A distinctive feature of the firm is its affiliations and ownership changes: the firm’s operating assets were acquired by Mercer Global Advisors in March 2026, and one principal is a one‑third owner of another New Jersey registered investment adviser and divides time between the firms, arrangements disclosed in the brochure that may affect supervisory and continuity considerations. The firm manages all reported assets on a discretionary basis, permits client-imposed investment restrictions or separate non-managed accounts when necessary, and uses custodial relationships (notably with Schwab) while disclosing conflicts such as incentives related to rollover recommendations.