{"url":"https://nivawealth.com/firms/personal-money-planning-112178","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/112178","regulatoryAum":126734464,"crd":"112178","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5649910","suffix":null,"lastName":"KUEHNER","firstName":"MICHELLE","middleName":"J"},{"crd":"7678123","suffix":null,"lastName":"Schultz","firstName":"Brittany","middleName":"Nacole"},{"crd":"2076354","suffix":null,"lastName":"SILVERMAN","firstName":"GARY","middleName":"WILLIAM"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2022-04-28","regulatoryAum":120916461,"clients":216,"employees":4,"offices":1},{"filedOn":"2023-07-31","regulatoryAum":103747065,"clients":230,"employees":5,"offices":1},{"filedOn":"2024-03-13","regulatoryAum":109891438,"clients":219,"employees":5,"offices":1},{"filedOn":"2025-03-26","regulatoryAum":115856959,"clients":216,"employees":5,"offices":1},{"filedOn":"2026-04-07","regulatoryAum":126734464,"clients":217,"employees":5,"offices":1}],"secFileNumber":"801-123694","legalName":"Personal Money Planning, LLC","displayName":"Personal Money Planning","slug":"personal-money-planning-112178","website":"https://personalmoneyplanning.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/112178/1c01c46f620a2a33-r1.webp","tone":"dark","width":461,"height":200,"sourceUrl":"https://www.personalmoneyplanning.com/","sourceLabel":"Personal Money Planning, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Texas limited liability company","fiscalYearEnd":"December","headquarters":{"street":"4245 Kemp BLVD Suite 1007","city":"Wichita Falls","state":"TX","stateName":"Texas","country":"United States","postalCode":"76308-2822"},"tradeNames":[],"registration":{"secApproved":"14 April 2022","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":584029.7880184331,"staff":{"employees":5,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":126734464,"discretionary":126734464,"discretionaryAccounts":566,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":217},"clientTypes":[{"label":"Individuals (other than HNW)","clients":189,"regulatoryAum":72087901},{"label":"High-net-worth individuals","clients":28,"regulatoryAum":54646563}],"feePrograms":[{"role":"other","program":"Administrative Services","summary":"Administrative work that does not require a licensed professional is billed at $50 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031256","versionId":1031256,"submittedOn":"2026-03-30","documentName":"DISCLOSURE BROCHURE 2026"},{"role":"other","program":"Estate Planning Services","summary":"Estate planning services are a flat rate of $350 plus $250 per hour, with document preparation performed by a third party.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031256","versionId":1031256,"submittedOn":"2026-03-30","documentName":"DISCLOSURE BROCHURE 2026"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T12:12:31.731237+00:00","documents":[{"name":"DISCLOSURE BROCHURE 2026","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031256","versionId":1031256,"submittedOn":"2026-03-30"}]},"custodians":[],"custodyNote":"Personal Money Planning does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Michelle Kuehner","title":"Chief Compliance Officer; President","crd":"5649910"},{"name":"Brittany Schultz","title":"Vice President","crd":"7678123"},{"name":"Gary Silverman","title":"Owner","crd":"2076354"}],"ownership":[{"label":"Gary Silverman","detail":"Owner in the 25% to 50% ownership band and a control person, since June 1995."},{"label":"Michelle Kuehner","detail":"Chief compliance officer; president in the 25% to 50% ownership band and a control person, since March 2009."},{"label":"Brittany Schultz","detail":"Vice president in the 10% to 25% ownership band and a control person, since January 2024."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Texas","offices":1,"addresses":[{"street":"4245 Kemp BLVD Suite 1007","city":"Wichita Falls","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"940-692-6885","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Educational seminars/workshops"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":10},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":31},{"label":"Cash and cash equivalents","percent":11},{"label":"Other","percent":47,"detail":"Hedging Strategies"}],"privateFunds":0},"sources":{"adv1FilingDate":"7 April 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/112178/PDF/112178.pdf","brochureDate":"30 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031256","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Personal Money Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Personal Money Planning offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How many financial advisors does Personal Money Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Personal Money Planning invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Personal Money Planning?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Personal Money Planning get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Personal Money Planning?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 7 April 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}