Personal CFO Solutions provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, educational seminars, estate planning, insurance, tax planning, and tax preparation. Financial planning was provided to 506 clients last fiscal year.
Personal CFO Solutions reports 653 clients. They include 387 high-net-worth individuals, 237 individual clients, and 17 corporations and other businesses. Of its assets, 100.0% ($1.65B across 4,764 accounts) are managed with discretion. A wrap fee program the firm both sponsors and manages holds $362M. Of its clients, 2% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 36% | 5% |
| High-net-worth individuals | 59% | 94% |
| Pension and profit-sharing plans | 2% | <1% |
| Corporations and other businesses | 3% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 237 | $78.4M | 4.8% | $331K |
| High-net-worth individuals | 387 | $1.56B | 94.4% | $4.02M |
| Pension and profit-sharing plans | 12 | $8.58M | 0.5% | $715K |
| Corporations and other businesses | 17 | $5.22M | 0.3% | $307K |
| Total | 653 | $1.65B | 100% | $2.53M |
- Clients
- 237
- Regulatory AUM
- $78.4M
- AUM share
- 4.8%
- Avg. per client
- $331K
- Clients
- 387
- Regulatory AUM
- $1.56B
- AUM share
- 94.4%
- Avg. per client
- $4.02M
- Clients
- 12
- Regulatory AUM
- $8.58M
- AUM share
- 0.5%
- Avg. per client
- $715K
- Clients
- 17
- Regulatory AUM
- $5.22M
- AUM share
- 0.3%
- Avg. per client
- $307K
Total
- Clients
- 653
- Regulatory AUM
- $1.65B
- AUM share
- 100%
- Avg. per client
- $2.53M
- Clients outside the U.S.
- 2%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 506
Personal CFO Solutions charges 0.50%–1.00% a year for its Discretionary Portfolio Management. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning and Consulting
- Financial planning and consulting is a fixed or hourly fee, ranging from $1,000 to $20,000 on a fixed-fee basis, negotiable, billed six months in arrears.
John Vieira owns 25% to 50% of Personal CFO Solutions. The leadership team of Personal CFO Solutions includes Chief Compliance Officer Justin Dausch. It has 18 employees, 14 of them in advisory roles.
Leadership
- Justin DauschChief Compliance Officer
- Bryan LandadioCo-Managing Member, Managing Director
- Patrick NolanCo-Managing Member, Managing Director
- John VieiraCo-Managing Member, Managing Director
Investment adviser representatives
10 representatives listed in the SEC register as of 9 October 2026.
- Justin P Forik
- Michael Jonas Kirkland
- Bryan Patrick Landadio
- Nicholas Joseph Lopes
- Corey Lorent
- Maryanne Bogush Mitchell
- Patrick Augustine Nolan
- Benjamin H. Ostrove
- Kaitlyn Smith
- John Fernando Vieira
Staff
- 18 employees
- 14 in advisory functions
- 11 state-registered reps
- 1 broker-dealer rep
- 7 insurance agents
- Owns 25% to 50% of Personal CFO Solutions LLC
John Vieira
Control person · since May 2011
- Owns 25% to 50% of Personal CFO Solutions LLC
Patrick Nolan
Control person · since November 2011
- Owns 25% to 50% of Personal CFO Solutions LLC
Bryan Landadio
Control person · since September 2011
Personal CFO Solutions’ regulatory assets grew 1.6× from $1B (March 2021) to $1.65B (March 2026); clients fell from 867 to 653 and employees rose from 13 to 18.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $1.65B | 653 | 18 | 2 |
| March 2025 | $1.38B | 611 | 18 | 2 |
| March 2024 | $1.17B | 522 | 17 | 2 |
| April 2023 | $961M | 483 | 17 | 2 |
| March 2022 | $1.2B | 449 | 17 | 2 |
| March 2021 | $1B | 867 | 13 | 2 |
Besides its headquarters, Personal CFO Solutions has 1 office, with 2 listed addresses in Massachusetts and New Jersey.
Massachusetts · 1 listed address
- 2352 Main Street, Concord
New Jersey · 1 listed address
- 384 Main Street, ChesterHQ
Contact and registration details
- Legal name
- Personal CFO Solutions LLC
- Headquarters
- 384 Main Street, Chester, NJ 07930-2528
- Website
- personalcfosolutions.com
- Phone
- 908-955-7055
- SEC file
- 801-74412
- Founded
- 2011
- Structure
- New Jersey LLC
- Fiscal year end
- December
Personal CFO Solutions uses Fidelity ($1.64B) as custodian for its separately managed accounts. Personal CFO Solutions has custody of $200M in client assets for 189 clients.
- FidelityNational Financial Services LLC · Smithfield, RI · $1.64B100%
At year end, Personal CFO Solutions’ separately managed accounts were mostly in stocks (62%) and funds (14%). Its reported 13F holdings for the quarter ended 30 June 2026 total $692M across 529 positions; the largest are Chubb Limited (9.9%), Apple Inc. (6.2%) and Alphabet Inc. (2.9%).
What the accounts hold
- Stocks62%
- Funds14%
- Bonds14%
- State and local bonds12%
- U.S. government and agency bonds2%
- Cash8%
- Other2%
- Real estate units2%
Reported 13F holdings
- $692M
- Reported 13F value
- 529
- Positions
- 34.3%
- In the 10 largest
- −2.8%
- Value vs. prior quarter
- Chubb Limited9.9%
- Apple Inc.6.2%
- Alphabet Inc. · Cap Stk CL C2.9%
- Innovator ETFS Trust · Defined Wlt Shld2.8%
- Nvidia Corporation2.7%
- Amazon Com Inc.2.2%
- iShares TR · MSCI Eafe ETF2.1%
- Microsoft Corp.2.0%
- Alphabet Inc. · Cap Stk CL A1.9%
- Thornburg ETF TR · Multi Sector BD1.7%
Together, the ten largest are 34.3% of reported value.
How many clients does Personal CFO Solutions have?
Personal CFO Solutions has 653 clients and manages $1.65 billion for them, as of March 2026. They include 387 high-net-worth individuals, 237 individual clients, and 17 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 30 March 2026
What services does Personal CFO Solutions offer?
Personal CFO Solutions provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, educational seminars, estate planning, insurance, tax planning, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Personal CFO Solutions charge?
Personal CFO Solutions charges 0.50%–1.00% a year for its Discretionary Portfolio Management. The fee is billed in arrears and is negotiable.
Source: PERSONAL CFO SOLUTIONS BROCHURE, filed 30 March 2026
Which custodians does Personal CFO Solutions use?
Personal CFO Solutions’ separately managed account assets are held at National Financial Services LLC (Smithfield, RI), with $1.64B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 March 2026
How many financial advisors does Personal CFO Solutions have?
Personal CFO Solutions has 11 investment adviser representatives registered with state securities authorities, out of 18 employees, and 14 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 7 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Personal CFO Solutions invest in?
At the end of its last fiscal year, Personal CFO Solutions’ separately managed accounts held 62% exchange-traded equities, 14% registered funds (mutual funds, ETFs, BDCs), 12% state and local bonds, 8% cash and equivalents, 2% U.S. government and agency bonds and 2% other. The 2% other category is described as: Real Estate Units.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Personal CFO Solutions?
Personal CFO Solutions’ direct owners are John Vieira, Patrick Nolan and Bryan Landadio, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 30 March 2026
How does Personal CFO Solutions get paid?
Personal CFO Solutions is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Personal CFO Solutions?
Personal CFO Solutions’ main office is at 384 Main Street, Chester, NJ 07930-2528. Its phone number is 908-955-7055. Its website is personalcfosolutions.com.