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Personal Money Planning
Gary Silverman, a CFP® professional, established Personal Money Planning in 1993 in Wichita Falls, Texas, to provide clear, goals-based financial guidance to...
Personal Money Planning
Gary Silverman, a CFP® professional, established Personal Money Planning in 1993 in Wichita Falls, Texas, to provide clear, goals-based financial guidance to individuals, families, and businesses. The firm operates as a Securities and Exchange Commission Registered Investment Advisor, blending financial planning with discretionary investment management for a client base concentrated in the Wichita Falls area. The firm's investment approach begins with client-defined life goals rather than market benchmarks, translating those objectives into managed portfolios. Its services span retirement planning, investment management, and ongoing financial advice for high-net-worth individuals, trusts, and small business owners. Personal Money Planning provides investment management advice to clients holding Series 65-licensed professionals on staff, with team members such as Brittany Schultz authorized to deliver that counsel. The firm serves clients across the Wichita Falls region and engages locally through educational blog content on topics including retirement assumptions and financial planning fundamentals. Personal Money Planning operates from a single office in Wichita Falls and remains deliberately small. The team includes founder Gary Silverman, long-tenured planner Michelle Kuehner — who joined in 2005 after beginning her financial-services career in 1993 — alongside Brittany Schultz and Abby O'Reilly. The firm maintains a client newsletter and publicly schedules meetings through its website, indicating a relationship-driven, in-person advisory model. No separate philanthropic foundation or adjacent investment vehicle is disclosed. Personal Money Planning's structure as an RIA integrating planning and portfolio management for a localized client base differentiates it from platforms or broker-dealers that separate advice from implementation. The firm's succession appears organic: Kuehner's two-decade tenure suggests continuity planning embedded in the partnership rather than a formal external transition. The practice runs without private fund structures, co-investment clubs, or institutional capital, keeping its architecture simple — a fiduciary advisor serving a concentrated geography.
General information
Firm type
Bank / Wealth / Trust
Year founded
1993
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Wichita Falls
Corporate office
Wichita Falls, Texas, United States
Principals
Gary Silverman
Founder
Michelle Kuehner
Financial Planner
Brittany Schultz
Investment Management Advisor
Abby O'Reilly
Team Member
Frequently asked questions
Who runs investment decisions at Personal Money Planning?
Founder Gary Silverman, a CFP® professional, leads the firm and its investment management function. Portfolio decisions are implemented with support from team members including Michelle Kuehner and Brittany Schultz, who holds the Series 65 license. The firm's website positions investment management as a collaborative, goals-based process rather than a single-manager model.
Is Personal Money Planning structured as a family office or a traditional RIA?
Personal Money Planning is an SEC-registered investment advisor, not a family office. It provides financial planning and discretionary investment management to local individuals, high-net-worth clients, trusts, and small businesses. The firm does not operate private funds or serve a single family exclusively.
Does Personal Money Planning participate in fund commitments or only direct portfolios?
The firm manages discretionary portfolios for its clients directly and does not publicly disclose involvement in private fund commitments, club deals, or co-investment vehicles. Its public materials emphasize personalized portfolio management and retirement planning rather than alternative-investment sourcing.
What investment stages or asset classes does Personal Money Planning target?
The firm's public descriptions do not specify stage or asset-class focuses beyond broad retirement and investment portfolio management. It does not advertise venture, private equity, or real-asset strategies, indicating a traditional public-market orientation for individual and trust accounts.
How is Personal Money Planning compensated for its services?
As a Registered Investment Advisor, Personal Money Planning likely collects asset-based or fixed fees from its advisory clients, though specific fee schedules are not disclosed on its public website. The firm's materials emphasize fiduciary, goals-based advice without commission-driven product sales.
Does Personal Money Planning maintain any philanthropic or adjacent vehicles?
No philanthropic foundation, donor-advised fund program, or separate operating entity is disclosed on the firm's website or in its regulatory filings. The practice appears to operate solely as an RIA without affiliated charitable structures.
Where does Personal Money Planning's client base reside?
The firm is headquartered in Wichita Falls, Texas, and its team — including lifelong Wichita Falls resident Michelle Kuehner — suggests a heavily local client base. Its website does not advertise remote or multi-state service, though SEC registration permits it to serve clients across the United States.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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