Personal Financial Solutions provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 51–100 clients last fiscal year.
Personal Financial Solutions reports 131 clients. They include 92 individual clients and 39 high-net-worth individuals. Of its assets, 100.0% ($156M across 405 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 70% | 20% |
| High-net-worth individuals | 30% | 80% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 92 | $31.1M | 20.0% | $339K |
| High-net-worth individuals | 39 | $125M | 80.0% | $3.19M |
| Total | 131 | $156M | 100% | $1.19M |
- Clients
- 92
- Regulatory AUM
- $31.1M
- AUM share
- 20.0%
- Avg. per client
- $339K
- Clients
- 39
- Regulatory AUM
- $125M
- AUM share
- 80.0%
- Avg. per client
- $3.19M
Total
- Clients
- 131
- Regulatory AUM
- $156M
- AUM share
- 100%
- Avg. per client
- $1.19M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Personal Financial Solutions charges 1.00%–1.25% a year for its Percentage of Assets Under 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
- Financial planning is charged a fixed fee set by the complexity of the client's situation and the services requested; no figure is stated and it is negotiable.
Mercer Global Advisors Inc. owns 75% or more of Personal Financial Solutions. It has 2 employees.
Leadership
- Ellen LeblancMember
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Personal Financial Solutions, LLC
Mercer Global Advisors Inc.
Control person · since March 2026
Personal Financial Solutions’ regulatory assets grew from $112M (April 2021) to $156M (April 2026); clients rose from 101 to 131 and employees were 2 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| April 2026 | $156M | 131 | 2 | 1 |
| March 2025 | $137M | 114 | 2 | 1 |
| March 2024 | $125M | 119 | 2 | 1 |
| March 2023 | $103M | 115 | 2 | 1 |
| March 2022 | $133M | 118 | 2 | 1 |
| April 2021 | $112M | 101 | 2 | 1 |
Besides its headquarters, Personal Financial Solutions has 0 offices, with 1 listed address in New Jersey.
New Jersey · 1 listed address
- 2517 Highway 35, Building I Suite 103, ManasquanHQ
Contact and registration details
- Legal name
- Personal Financial Solutions, LLC
- Headquarters
- 2517 Highway 35, Building I Suite 103, Manasquan, NJ 08736
- Website
- Not reported
- Phone
- 732-722-7912
- SEC file
- 801-121037
- Structure
- New Jersey LLC
- Fiscal year end
- December
Personal Financial Solutions uses Charles Schwab ($132M) as custodian for its separately managed accounts. Personal Financial Solutions does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $132M100%
At year end, Personal Financial Solutions’ separately managed accounts were mostly in stocks (56%) and funds (36%).
What the accounts hold
- Stocks56%
- Funds36%
- Cash4%
- Other4%
- Variable annuity assets4%
How many clients does Personal Financial Solutions have?
Personal Financial Solutions has 131 clients and manages $156 million for them, as of April 2026. They include 92 individual clients and 39 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 15 April 2026
What services does Personal Financial Solutions offer?
Personal Financial Solutions provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Personal Financial Solutions charge?
Personal Financial Solutions charges 1.00%–1.25% a year for its Percentage of Assets Under Management. The fee is billed in arrears and is negotiable.
Which custodians does Personal Financial Solutions use?
Personal Financial Solutions’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $132M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 15 April 2026
How many financial advisors does Personal Financial Solutions have?
Personal Financial Solutions has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Financial Solutions invest in?
At the end of its last fiscal year, Personal Financial Solutions’ separately managed accounts held 56% exchange-traded equities, 36% registered funds (mutual funds, ETFs, BDCs), 4% cash and equivalents and 4% other. The 4% other category is described as: Variable Annuity Assets.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Personal Financial Solutions?
Personal Financial Solutions’ direct owner is Mercer Global Advisors Inc. (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 15 April 2026
How does Personal Financial Solutions get paid?
Personal Financial 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 Financial Solutions?
Personal Financial Solutions’ main office is at 2517 Highway 35, Building I Suite 103, Manasquan, NJ 08736. Its phone number is 732-722-7912.