{"url":"https://nivawealth.com/firms/personalized-financial-solutions-306475","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/306475","regulatoryAum":142558870,"crd":"306475","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6804478","suffix":null,"lastName":"HANNA","firstName":"ELAINE","middleName":"MARGARET"},{"crd":"3249733","suffix":null,"lastName":"SEYMOUR","firstName":"TODD","middleName":"MICHAEL"}],"total":2,"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":"2021-04-27","regulatoryAum":0,"clients":0,"employees":1,"offices":1},{"filedOn":"2022-04-12","regulatoryAum":51314237,"clients":89,"employees":4,"offices":1},{"filedOn":"2025-07-28","regulatoryAum":109428623,"clients":127,"employees":4,"offices":1},{"filedOn":"2026-09-15","regulatoryAum":142558870,"clients":144,"employees":4,"offices":1}],"secFileNumber":"801-131695","legalName":"Personalized Financial Solutions LLC","displayName":"Personalized Financial Solutions","slug":"personalized-financial-solutions-306475","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Florida limited liability company","fiscalYearEnd":"December","headquarters":{"street":"28163 US Highway 19 North, Suite 205","city":"Clearwater","state":"FL","stateName":"Florida","country":"United States","postalCode":"33761"},"tradeNames":[],"registration":{"secApproved":"3 January 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":989992.1527777778,"staff":{"employees":4,"advisory":2,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":142558870,"discretionary":130553769,"discretionaryAccounts":415,"nonDiscretionary":12005101,"nonDiscretionaryAccounts":90,"wrapProgram":100856099,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":102,"regulatoryAum":43654376},{"label":"High-net-worth individuals","clients":42,"regulatoryAum":98904494}],"feePrograms":[{"role":"main","program":"Advisory Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055948","versionId":1055948,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-08-25","documentName":"PFS DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENT","fee_rate_low":0.5,"fee_rate_high":2,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T16:30:55.387905+00:00","documents":[{"name":"PFS DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENT","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055948","versionId":1055948,"submittedOn":"2026-08-25"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":128153172}],"custodyNote":"Personalized Financial Solutions has custody of $66M in client assets for 90 clients.","otherCustodians":[],"leadership":[{"name":"Todd Seymour","title":"Managing Member, Principal and Chief Compliance Officer","crd":"3249733"}],"ownership":[{"label":"Todd Seymour","detail":"Managing member, principal and chief compliance officer in the 75% or more ownership band and a control person, since November 2020."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":1,"addresses":[{"street":"28163 US Highway 19 North, Suite 205","city":"Clearwater","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"727-754-4401","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":17},{"label":"Non-exchange-traded equity securities","percent":1},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":74},{"label":"Cash and cash equivalents","percent":2},{"label":"Other","percent":1,"detail":"Reits"}],"privateFunds":0},"sources":{"adv1FilingDate":"15 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/306475/PDF/306475.pdf","brochureDate":"25 August 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055948","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 Personalized Financial Solutions have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Personalized Financial Solutions offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Personalized Financial Solutions charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Personalized Financial Solutions use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Personalized Financial Solutions have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Personalized Financial Solutions invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Personalized Financial Solutions?","answer":"Personalized Financial Solutions’ direct owner is Todd Seymour (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 15 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Personalized Financial Solutions get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Personalized Financial Solutions?","answer":"Personalized Financial Solutions’ main office is at 28163 US Highway 19 North, Suite 205, Clearwater, FL 33761. Its phone number is 727-754-4401.","source":"Form ADV Part 1A, Item 1.F, filed 15 September 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."}