Personal Money Planning, LLC

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Client assets under management

$126,734,464

Clients

217

13% high-net-worth

Advisors

of 5 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

High

Average account size

$584,030

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

Financial planning Portfolio management Educational seminars or workshops

Expertise

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting

Occupation focus

Founder/Business Owner

Fee options

Fixed

Estate planning services: $350 flat rate plus $250 per hour; Educational seminars: $0 to $250 per hour

Percentage

$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

Project-based

Financial advisory services: $250 per hour; Administrative services: $50 per hour; Estate planning services: $350 flat rate plus $250 per hour

Other

Fee-only: Fee-only financial planning and investment advisory firm

Main office location

Personal Money Planning, LLC

4245 Kemp Blvd Suite 1007

Wichita Falls TX 76308-2822, United States

Number of offices

Most active in

Oklahoma · Texas

Disclosures

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.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 940-692-6885

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.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Founder/Business Owner

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.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Founder/Business Owner

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.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Founder/Business Owner

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