Personal Money Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Personal Money Planning, LLC is a fee-only registered investment adviser that serves individual and high-net-worth clients through ongoing portfolio management, financial planning, and hourly consulting. The firm manages roughly $127 million for about 217 clients and offers both continuous investment oversight and standalone planning engagements covering retirement and college funding.
Portfolios are customized using a multi‑sleeve approach (growth, reserve, and bond allocations) that combines fundamental research with tactical rebalancing and occasional hedging or derivative strategies; the firm generally prefers to begin client relationships with a planning process before layering investment management. Investment decisions are implemented with discretionary authority for most clients, and the firm monitors accounts periodically with rebalancing and adjustments tied to changes in objectives or market conditions.
Compared with many peers, the firm makes available occasional educational seminars and workshops for clients and the public, a relatively uncommon service among similarly sized advisers. It also blends ongoing asset management with hourly and flat‑rate planning offerings and staffs multiple advisors who hold advanced planning and fiduciary‑oriented credentials, which supports a broader mix of planning services (including estate‑planning coordination and class‑action claim monitoring) than is typical for firms of its size.
Client services
Expertise
Occupation focus
Fee options
Estate planning services: $350 flat rate plus $250 per hour; Educational seminars: $0 to $250 per hour
$0 - $150,000: 1.55% annually $150,001 - $1,000,000: 0.80% annually $1,000,001 - $5,000,000: 0.55% annually $5,000,001+: 0.45% annually
Financial advisory services: $250 per hour; Administrative services: $50 per hour; Estate planning services: $350 flat rate plus $250 per hour
Fee-only: Fee-only financial planning and investment advisory firm
Main office
4245 Kemp Blvd Suite 1007
Wichita Falls TX 76308-2822
Advisors at this office
3
Most active in
Oklahoma · Texas
Also doing business as
Gary William Silverman · Personal Money Planning · Personal Money Planning, LLC
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
Gary S
CFP®, Series 63
Wichita Falls, TX
Personal Money Planning, LLC
Gary Silverman is a CFP® with 13 years of industry experience and has been with Personal Money Planning, LLC since 1995. He holds a Series 63 license and is based in Wichita Falls, TX. Personal Money Planning serves individual and high-net-worth clients, as well as trusts, estates, and small business owners. The firm provides fee-only financial planning, discretionary portfolio management, and hourly consulting, combining equity-focused mutual funds and ETFs with tactical hedging strategies informed by third-party econometric analysis.
Michelle K
Series 65
Wichita Falls, TX
Personal Money Planning, LLC
Michelle Kuehner is a financial advisor at Personal Money Planning, LLC with 11 years of industry experience. She holds the Series 65 designation and has been with Personal Money Planning since 2005. Personal Money Planning serves individual and high-net-worth clients, as well as trusts, estates, and small business owners. The firm offers fee-only financial planning, discretionary portfolio management, and hourly consulting, combining equity-focused mutual funds and ETFs with a growth model that can be hedged using options strategies and short-term fixed-income funds.
Brittany S
Series 65
Wichita Falls, TX
Personal Money Planning, LLC
Brittany Schultz is a financial advisor at Personal Money Planning, LLC with three years of industry experience. She holds a Series 65 designation and has been with Personal Money Planning since 2019. Prior to her advisory career, she was a homemaker and military spouse for six years. Personal Money Planning serves individual and high-net-worth clients, as well as trusts, estates, and small business owners. The firm provides fee-only financial planning, discretionary portfolio management, and hourly consulting, combining equity-focused mutual funds and ETFs with options strategies and fixed-income funds, supported by third-party econometric analysis.
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”)