Personalized Financial Solutions LLC

Personalized Financial Solutions LLC serves individual and high‑net‑worth clients with discretionary investment management, financial planning, and related implementation services. The firm also provides insurance and, through an affiliated tax and accounting business, tax, trust and estate planning support, and it includes estate‑planning work performed by an outside attorney for certain accounts meeting the firm’s AUM threshold once every five years.

PFS builds customized portfolios using ETFs, mutual funds, individual stocks and bonds, covered options and, when appropriate, alternative investments, and it generally pursues a long‑term strategy while rebalancing or trading as client needs or market conditions dictate. The firm conducts fundamental and technical analysis, uses an institutional custodian platform for trading and custody, and manages held‑away retirement accounts via an order‑management platform; it also operates a wrap‑fee program that bundles transaction costs into its asset‑based fee.

What sets PFS apart from many peers is that it sponsors a wrap‑fee program and maintains an affiliated tax and accounting practice that can provide integrated tax, trust and estate services alongside investment advice. The firm’s ADV discloses a past FINRA disciplinary matter involving a firm principal that was resolved in 2022 through a settlement (including a one‑time payment and a two‑month suspension); prospective clients may review the firm’s disclosures and public files for more information.