Personal Money Planning

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. 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 practice runs without private fund structures, co-investment clubs, or institutional capital, keeping its architecture simple — a fiduciary advisor serving a concentrated geography.