# Personalized Financial Solutions

Personalized Financial Solutions is a Bank / Wealth / Trust based in Clearwater, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Clearwater, United States
- **Region:** North America
- **Address:** 28163 US Highway 19 North, Suite 205, Clearwater, FL 33761
- **Founded:** 2020
- **Assets under management:** Undisclosed
- **Website:** pfsinvest.com
- **LinkedIn:** linkedin.com/company/personalized-financial-solutions-llc

## Regulatory record

- **CRD number:** 306475
- **SEC file number:** 801-131695
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-01-21T06:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/306475

## About

Founded in 2020 by Todd M. Seymour, the firm emerged from a straightforward thesis: household financial decisions — investing, retirement planning, tax strategy, and estate design — work best when coordinated by a single professional who understands the entire picture, not separate salespeople pitching products. Seymour, who holds the Enrolled Agent (EA) and Certified Senior Advisor (CSA) designations, structured the practice to deliver that coordination. The firm's service model covers investment management, retirement income planning, estate planning, and tax preparation. Unlike wirehouse-affiliated advisors, the practice earns no commissions and does not sell proprietary products; revenue comes from advisory fees or direct hourly/project billing tied to client goals. The strategy emphasizes long-term, goals-based portfolio construction, drawing on a wide range of liquid public-market instruments — equities, fixed income, and mutual funds/ETFs — allocated across taxable, tax-deferred, and tax-exempt accounts. Geographic reach is concentrated in Florida's Pinellas County and the greater Tampa Bay region, serving local high-net-worth individuals, families, trusts, and estates. The firm operates from a single office at 28163 US Highway 19 North in Clearwater, with Seymour as the sole named professional. No separate philanthropic vehicle, family-office affiliate, or co-investment network is disclosed. As of its most recent website update, the firm continues to maintain that single-office, single-advisor footprint with no announced succession plan or team expansion. Personalized Financial Solutions' structural differentiator is a hyper-local, tax-literate generalist model — a solo EA/CSA advising households from accumulation through distribution, rare in an industry that increasingly consolidates into large ensembles or robo-hybrids. The combination of enrolled-agent tax authority with advisory discretion allows Seymour to execute portfolio adjustments with full visibility into a client's 1040, removing the coordination gap common in wealth management.

## People

- Todd M. Seymour — Founder, EA®, CSA®

## Questions

### What designations does the firm's principal hold?

Todd M. Seymour holds the Enrolled Agent (EA) designation from the IRS, authorizing him to represent taxpayers before the IRS, and the Certified Senior Advisor (CSA) credential. The combination permits the firm to manage investments while filing client tax returns — an integration most advisory practices cannot provide.

### What types of clients does the firm serve?

The firm's website identifies individuals, high-net-worth individuals, families, trusts, and estates as its client base. Seymour's CSA designation further signals a specialization in pre-retiree and retiree households navigating Social Security, Medicare, and income planning.

### How does the firm approach investment management?

Rather than employing proprietary funds or alternative investments, the firm uses a wide-angle, goals-based framework. It positions itself as a coordinator of a client's entire financial picture — retirement accounts, taxable portfolios, insurance, and estate documents — and constructs liquid, diversified portfolios from public-market instruments such as equities, fixed income, and ETFs/mutual funds.

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- [Personal Financial Profiles](https://altss.com/profile/personal-financial-profiles)
- [Personal Money Planning](https://altss.com/profile/personal-money-planning)

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

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