Personal Money Planning provides financial planning, portfolio management for individuals and small businesses, and educational seminars. Financial planning was provided to 1–10 clients last fiscal year.
Personal Money Planning reports 217 clients. They include 189 individual clients and 28 high-net-worth individuals. Of its assets, 100.0% ($127M across 566 accounts) are managed with discretion. It advised 217 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 87% | 57% |
| High-net-worth individuals | 13% | 43% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 189 | $72.1M | 56.9% | $381K |
| High-net-worth individuals | 28 | $54.6M | 43.1% | $1.95M |
| Total | 217 | $127M | 100% | $584K |
- Clients
- 189
- Regulatory AUM
- $72.1M
- AUM share
- 56.9%
- Avg. per client
- $381K
- Clients
- 28
- Regulatory AUM
- $54.6M
- AUM share
- 43.1%
- Avg. per client
- $1.95M
Total
- Clients
- 217
- Regulatory AUM
- $127M
- AUM share
- 100%
- Avg. per client
- $584K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 217
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Personal Money Planning is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Administrative Services
- Administrative work that does not require a licensed professional is billed at $50 per hour.
- Estate Planning Services
- Estate planning services are a flat rate of $350 plus $250 per hour, with document preparation performed by a third party.
Gary Silverman owns 25% to 50% of Personal Money Planning. The leadership team of Personal Money Planning includes President Michelle Kuehner. It has 5 employees, 3 of them in advisory roles.
Staff
- 5 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 25% to 50% of Personal Money Planning, LLC
Gary Silverman
Control person · since June 1995
- Owns 25% to 50% of Personal Money Planning, LLC
Michelle Kuehner
Control person · since March 2009
- Owns 10% to 25% of Personal Money Planning, LLC
Brittany Schultz
Control person · since January 2024
Personal Money Planning’s regulatory assets went from $121M (April 2022) to $127M (April 2026); clients were 217 in both filings and employees rose from 4 to 5.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Apr 2026April 2026 | $127M | 217 | 5 | 1 |
| Mar 2025March 2025 | $116M | 216 | 5 | 1 |
| Mar 2024March 2024 | $110M | 219 | 5 | 1 |
| Jul 2023July 2023 | $104M | 230 | 5 | 1 |
| Apr 2022April 2022 | $121M | 216 | 4 | 1 |
Besides its headquarters, Personal Money Planning has 0 offices, with 1 listed address in 1 state.
Texas · 1 listed address
- 4245 Kemp BLVD Suite 1007, Wichita FallsHQ
Contact and registration details
- Legal name
- Personal Money Planning, LLC
- Headquarters
- 4245 Kemp BLVD Suite 1007, Wichita Falls, TX 76308-2822
- Website
- personalmoneyplanning.com
- Phone
- 940-692-6885
- SEC file
- 801-123694
- Structure
- Texas LLC
- Fiscal year end
- December
Personal Money Planning does not have custody of client assets.
At year end, Personal Money Planning’s separately managed accounts were largely in funds (31%) and cash (11%).
What the accounts hold
- Stocks10%
- Funds31%
- Bonds1%
- Cash11%
- Other47%
- Hedging strategies47%
How many clients does Personal Money Planning have?
Personal Money Planning has 217 clients and manages $127 million for them, as of April 2026. They include 189 individual clients and 28 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 7 April 2026
What services does Personal Money Planning offer?
Personal Money Planning provides financial planning, portfolio management for individuals and small businesses, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How many financial advisors does Personal Money Planning have?
Personal Money Planning has 3 investment adviser representatives registered with state securities authorities, out of 5 employees, and 3 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 Money Planning invest in?
At the end of its last fiscal year, Personal Money Planning’s separately managed accounts held 47% other, 31% registered funds (mutual funds, ETFs, BDCs), 11% cash and equivalents, 10% exchange-traded equities and 1% U.S. government and agency bonds. The 47% other category is described as: Hedging Strategies.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Personal Money Planning?
Personal Money Planning’s direct owners are Gary Silverman, Michelle Kuehner and Brittany Schultz, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 7 April 2026
How does Personal Money Planning get paid?
Personal Money Planning is paid through a percentage of assets under management, hourly charges 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 Money Planning?
Personal Money Planning’s main office is at 4245 Kemp BLVD Suite 1007, Wichita Falls, TX 76308-2822. Its phone number is 940-692-6885. Its website is personalmoneyplanning.com.
