# Personal Money Planning

Personal Money Planning is a Bank / Wealth / Trust based in Wichita Falls, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Wichita Falls, United States
- **Region:** North America
- **Address:** Wichita Falls, Texas, United States
- **Founded:** 1993
- **Assets under management:** Undisclosed
- **Website:** personalmoneyplanning.com
- **LinkedIn:** https://www.linkedin.com/company/personal-money-planning

## Regulatory record

- **CRD number:** 112178
- **SEC file number:** 801-123694
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/112178

## About

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.

## People

- Gary Silverman — Founder
- Michelle Kuehner — Financial Planner
- Brittany Schultz — Investment Management Advisor
- Abby O'Reilly — Team Member

## 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.

### 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.

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Last updated: 2026-08-11T02:43:31.692Z

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