Personal Wealth Management Advisors, Inc.

Personal Wealth Management Advisors, Inc. provides discretionary asset management to individuals, high‑net‑worth households, pension/profit‑sharing plans, trusts, estates, charitable organizations and other business entities, managing about $19.16 million across 33 client relationships as of December 31, 2025. The firm operates as a small independent adviser and typically requires a $500,000 account/relationship minimum, which it may waive in special situations, delivering tailored portfolio management under written agreements.

The firm follows a top‑down investment process that places critical emphasis on the economic outlook and global considerations, supplementing that view with fundamental, technical and cyclical analysis; it emphasizes long‑term holdings once positions are established. Portfolios can include equities, mutual funds, ETFs (including sector and, on occasion, leveraged ETFs), corporate and municipal fixed income, and periodic covered‑call option overlays, with an Investment Policy Statement prepared at onboarding and periodic reviews conducted several times per year.

What is distinctive for a solo independent adviser is the explicit service to charitable organizations and institutional clients such as pension/profit‑sharing plans, a client mix that is less common among peers of this category. The firm also treats accounts on an individualized basis rather than operating model portfolios or routinely aggregating trades, and it expressly avoids short‑term trading, margin trading and short sales while reserving occasional use of leveraged ETFs and covered calls for tactical purposes.