Personal Wealth Management, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Personal Wealth Management, LLC provides investment supervisory services and financial planning to individuals (including high‑net‑worth clients), business owners, and institutional clients such as not‑for‑profit entities and defined benefit retirement plans. Its stated investment universe includes ETFs, mutual funds, closed‑end funds, REITs, private placement Reg D offerings, and insurance products including life insurance and fixed annuities.
The firm constructs individualized portfolios based on documented goals, risk tolerance, and time horizon, and typically manages accounts on a discretionary basis with ongoing monitoring and monthly reviews; clients receive quarterly custodian statements and may impose investment restrictions. PWM employs both fundamental and technical analysis, using long‑term holdings with tactical reallocations as needed, and delivers one‑time written financial plans with additional planning available on request.
Noteworthy distinctions include that a principal of the firm is a licensed independent insurance agent and the brochure discloses potential compensation from commissions on insurance and from shared or incentive fees for Reg D placements through an affiliated firm, a conflict of interest the firm says it documents for clients while noting commissions are not its primary source of revenue. The firm also notes a small client base, no stated account minimums, occasional seminars on retirement and alternative investments, and the option for clients to direct brokerage arrangements.
Client services
Expertise
Occupation focus
Fee options
Fixed fees for financial planning negotiated case-by-case, up to $1200 in advance within six months.
Commissions from placement of life insurance and fixed annuities; shared management and incentive fees from Reg. D income offerings through affiliated firm. Clients do not pay commissions.
Main office
Commerce MI
Advisors at this office
1
Most active in
Michigan
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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