Business Details
33 Years
experience
Trusted Financial Advisers in Wichita Falls, TX
Personal Money Planning is a fee-only financial planning and investment advisory firm dedicated to helping individuals, families, and businesses achieve their financial goals. As a Securities and Exchange Commission (SEC) Registered Investment Advisor, we operate with a fiduciary responsibility to prioritize client interests above all else. Our team of certified professionals provides tailored financial strategies through comprehensive planning, investment management, and ongoing guidance. With over 30 years of combined experience, we specialize in retirement planning, tax-efficient strategies, estate planning coordination, and insurance analysis.Our approach emphasizes transparency, education, and long-term relationships, ensuring clients understand every aspect of their financial decisions. We serve clients in Wichita Falls, Texas, and beyond, offering both full-service management and hourly advisory options. Our commitment to ethical standards and client-first service has established us as trusted partners in financial well-being.
Services
Investment Management
Retirement Planning
Financial Planning
Estate Planning
Tax Planning
Insurance Analysis
Financial Coaching
Hourly Financial Advice
Details
- Year established: 1993
Highlights and features
- We act as fiduciaries with legal obligation to prioritize client interests
- Fee-only structure ensures unbiased, commission-free financial advice
- Team holds multiple certifications including CFP, ChFC, and CRPC
- Comprehensive services spanning investment management to estate planning
- Transparent process with no hidden fees or proprietary products
Associations and certifications
- Securities and Exchange Commission (SEC) Registered Investment Advisor
What people say
Exceptional personalized service
Deep expertise in retirement planning
Transparent fee structure
Patient educators
Comprehensive approach
Services
Investment Management
We create customized investment strategies aligned with your life goals and risk tolerance. Our process includes asset allocation, security selection, and ongoing portfolio monitoring. Clients receive regular performance reviews and adjustments as needed.
Retirement Planning
Our retirement planning service helps determine your savings needs and optimal withdrawal strategies. We analyze Social Security timing, pension options, and tax-efficient distributions. The plan includes contingency scenarios for healthcare costs.
Estate Planning Coordination
We coordinate with legal professionals to create estate plans that protect assets and ensure proper distribution. Services include wills, trusts, power of attorney documents, and beneficiary designations. Regular reviews ensure plans stay current with life changes.
Tax Planning
Our tax planning identifies opportunities to minimize lifetime tax liability. We analyze retirement account conversions, charitable giving strategies, and investment tax efficiency. Recommendations coordinate with your CPA's work.
Financial Coaching
Certified professionals provide guidance on budgeting, debt management, and financial decision-making. Sessions focus on building financial confidence through practical skills development. Available as standalone or complementary service.
People
Gary Silverman
Founder
Certified Financial Planner with 30+ years experience. Established Personal Money Planning in 1993 to provide accessible financial guidance. Focuses on simplifying complex financial concepts for clients.
Michelle Kuehner
President
Financial services veteran with 20+ years in the industry. Holds multiple certifications including ChFC and CRPC. Specializes in creating tailored financial solutions for local families and businesses.
Brittany Schultz
Vice President
Series 65 licensed professional with expertise in investment management. Graduated Cum Laude in Accounting. Focuses on portfolio construction and client education about investment strategies.
Dennicia Jeffers
Executive Assistant
Brings organizational expertise from international background. Manages client communications and supports financial planning processes with attention to detail and client service standards.
Questions
Are you a fiduciary financial advisor?
Yes, we are SEC-registered fiduciaries who always put client interests first in all recommendations.
How are your fees structured?
We use transparent fee-only pricing through either asset-based management fees or flat-fee planning arrangements.
Do you work with out-of-state clients?
Yes, we serve clients nationwide through virtual meetings while maintaining local Wichita Falls office operations.
What certifications do your advisors hold?
Our team includes CFP, ChFC, CRPC, and other industry-recognized certifications ensuring professional expertise.
How often do you review investment portfolios?
We conduct quarterly reviews with annual comprehensive plan updates, plus adjustments for major life changes.
Can I get help with just specific financial issues?
Yes, our hourly advice service addresses specific questions without requiring full plan implementation.
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