Personalized Financial Solutions provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 26–50 clients last fiscal year.
Personalized Financial Solutions reports 144 clients. They include 102 individual clients and 42 high-net-worth individuals. Of its assets, 91.6% ($131M across 415 accounts) are managed with discretion; $12M across 90 accounts are not. A wrap fee program the firm both sponsors and manages holds $101M.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 71% | 31% |
| High-net-worth individuals | 29% | 69% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 102 | $43.7M | 30.6% | $428K |
| High-net-worth individuals | 42 | $98.9M | 69.4% | $2.35M |
| Total | 144 | $143M | 100% | $990K |
- Clients
- 102
- Regulatory AUM
- $43.7M
- AUM share
- 30.6%
- Avg. per client
- $428K
- Clients
- 42
- Regulatory AUM
- $98.9M
- AUM share
- 69.4%
- Avg. per client
- $2.35M
Total
- Clients
- 144
- Regulatory AUM
- $143M
- AUM share
- 100%
- Avg. per client
- $990K
- 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
- 26–50
Personalized Financial Solutions charges 0.50%–2.00% a year for its Advisory Services. The fee is billed in advance and is negotiable.
Fee details and sources
Todd Seymour owns 75% or more of Personalized Financial Solutions. The leadership team of Personalized Financial Solutions includes Chief Compliance Officer Todd Seymour. It has 4 employees, 2 of them in advisory roles.
Leadership
- Todd SeymourManaging Member, Principal and Chief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 4 employees
- 2 in advisory functions
- 2 state-registered reps
- 1 insurance agent
- Owns 75% or more of Personalized Financial Solutions LLC
Todd Seymour
Control person · since November 2020
Personalized Financial Solutions’ regulatory assets grew Infinity× from $0 (April 2021) to $143M (September 2026); employees rose from 1 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $143M | 144 | 4 | 1 |
| July 2025 | $109M | 127 | 4 | 1 |
| April 2022 | $51.3M | 89 | 4 | 1 |
| April 2021 | $0 | 0 | 1 | 1 |
Besides its headquarters, Personalized Financial Solutions has 0 offices, with 1 listed address in Florida.
Florida · 1 listed address
- 28163 US Highway 19 North, Suite 205, ClearwaterHQ
Contact and registration details
- Legal name
- Personalized Financial Solutions LLC
- Headquarters
- 28163 US Highway 19 North, Suite 205, Clearwater, FL 33761
- Website
- Not reported
- Phone
- 727-754-4401
- SEC file
- 801-131695
- Structure
- Florida LLC
- Fiscal year end
- December
Personalized Financial Solutions uses Charles Schwab ($128M) as custodian for its separately managed accounts. Personalized Financial Solutions has custody of $66M in client assets for 90 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $128M100%
At year end, Personalized Financial Solutions’ separately managed accounts were mostly in funds (74%) and stocks (18%).
What the accounts hold
- Stocks18%
- Exchange-traded equities17%
- Non-exchange-traded equities1%
- Funds74%
- Bonds2%
- U.S. government and agency bonds1%
- State and local bonds1%
- Cash2%
- Other1%
- Reits1%
Filed values cover 97%. The neutral 3% gap has no reported category.
How many clients does Personalized Financial Solutions have?
Personalized Financial Solutions has 144 clients and manages $143 million for them, as of September 2026. They include 102 individual clients and 42 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 15 September 2026
What services does Personalized Financial Solutions offer?
Personalized 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 Personalized Financial Solutions charge?
Personalized Financial Solutions charges 0.50%–2.00% a year for its Advisory Services. The fee is billed in advance and is negotiable.
Source: PFS DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENT, filed 25 August 2026
Which custodians does Personalized Financial Solutions use?
Personalized Financial Solutions’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $128M. 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 September 2026
How many financial advisors does Personalized Financial Solutions have?
Personalized Financial Solutions has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Personalized Financial Solutions invest in?
At the end of its last fiscal year, Personalized Financial Solutions’ separately managed accounts held 74% registered funds (mutual funds, ETFs, BDCs), 17% exchange-traded equities, 2% cash and equivalents, 1% non-exchange-traded equities, 1% U.S. government and agency bonds, 1% state and local bonds and 1% other. The 1% other category is described as: Reits.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Personalized Financial Solutions?
Personalized Financial Solutions’ direct owner is Todd Seymour (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 15 September 2026
How does Personalized Financial Solutions get paid?
Personalized 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 Personalized Financial Solutions?
Personalized Financial Solutions’ main office is at 28163 US Highway 19 North, Suite 205, Clearwater, FL 33761. Its phone number is 727-754-4401.