Personal Financial Solutions, LLC

The firm provides discretionary portfolio management and limited financial planning to individuals and small businesses, offering recommendations for lump-sum and systematic investments, asset allocation, and periodic reporting. It also offers insurance products and prepares routine individual tax returns for a limited number of clients as part of its service mix.

The investment approach emphasizes asset allocation with monthly rebalancing and uses charting, fundamental, technical, and cyclical analysis; accounts are managed on a discretionary basis with at least quarterly reviews and client-imposed investment restrictions allowed. The firm recommends specific custodial services (historically transitioning accounts to Shareholders Service Group, which was later acquired by Altruist) and may place clients with independent third‑party money managers when appropriate.

Noteworthy distinctions include that the firm’s principal is a licensed insurance agent who sells commission‑based life, disability, and other insurance products — an activity that accounts for a small portion of time and is uncommon among peers. The practice is small in scale (around $2.18 million in AUM across roughly 22 client relationships) and combines investment management with limited tax-preparation and insurance brokerage activities, a mix not typical for many similarly sized independent advisory firms.