# Personal CFO Solutions LLC

> Personal CFO Solutions LLC is an SEC-registered investment advisory firm in Chester, NJ, registered since 2012, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated March 30, 2026.

- CRD: 158248
- Filed as: PERSONAL CFO SOLUTIONS LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Chester, NJ
- Filing period: October 2026
- Form ADV filing dated: March 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/158248
- AdvisorCensus page: https://advisorcensus.com/firm/personal-cfo-solutions-llc-chester-nj-158248

## Quick answers

**How is Personal CFO Solutions LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Personal CFO Solutions LLC reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**How much does Personal CFO Solutions LLC charge?**
Its Form ADV Part 2A brochure dated March 30, 2026 states: Flat fee: $1,000 to $20,000 (Financial Planning and Consulting). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Personal CFO Solutions LLC located?**
Personal CFO Solutions LLC's principal office is in Chester, NJ, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Personal CFO Solutions LLC registered with the SEC or a state?**
Personal CFO Solutions LLC is an SEC-registered investment advisory firm, registered since 2012. Status as filed: Approved. CRD 158248.

**How much does Personal CFO Solutions LLC manage?**
Personal CFO Solutions LLC reports $1,649,290,976 in regulatory assets under management in its Form ADV filing dated March 30, 2026 (100% discretionary).

**How have Personal CFO Solutions LLC's assets and staff changed since 2021?**
In the Form ADV data for Personal CFO Solutions LLC: Regulatory assets under management: $1,003,352,084 in the October 2021 data and $1,649,290,976 in the October 2026 data, up 64%. Total employees: 13 in October 2021 and 18 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Personal CFO Solutions LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (387); individuals (other than high net worth individuals) (237); corporations or other businesses not listed above (17).

**Which custodians does Personal CFO Solutions LLC use?**
Personal CFO Solutions LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists National Financial Services LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Personal CFO Solutions LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/158248

**What changed in Personal CFO Solutions LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $1,375,126,396 to $1,649,290,976 (+20%). Registered or notice-filed in ME, MO, NH, WI.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 30, 2026)

- Flat fee: $1,000 to $20,000 (Financial Planning and Consulting)

> Personal CFO will charge a fixed or hourly fee for this service, which will range from $1,000 to $20,000 on a fixed fee basis.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- National Financial Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $1,649,290,976
- Discretionary: $1,649,290,976
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 237 | $78,408,103 |
| High net worth individuals | 387 | $1,557,076,481 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 12 | $8,581,405 |
| Corporations or other businesses not listed above | 17 | $5,224,987 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops

### Firm details
- Registered since: 2012 (14 years)
- Employees: 18 total, 14 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: AL, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Concord, MA

### Websites listed on Form ADV (Item 1.I)
- [pcfos.com](https://pcfos.com)
- [personalcfosolutions.com](https://personalcfosolutions.com)
- Facebook @PERSONAL-CFO-SOLUTIONS-LLC-164467286976098

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $1,003,352,084 | 13 | September 30, 2021 |
| October 2022 | $1,200,444,334 | 17 | March 29, 2022 |
| October 2023 | $960,519,833 | 17 | April 28, 2023 |
| October 2024 | $1,166,285,610 | 17 | March 29, 2024 |
| October 2025 | $1,375,126,396 | 18 | March 24, 2025 |
| October 2026 | $1,649,290,976 | 18 | March 30, 2026 |

Regulatory assets under management: $1,003,352,084 in the October 2021 data and $1,649,290,976 in the October 2026 data, up 64%.
Total employees: 13 in October 2021 and 18 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $1,375,126,396 to $1,649,290,976 (+20%).
- Registered or notice-filed in ME, MO, NH, WI.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Personal CFO Solutions LLC (CRD 158248): Form ADV filing data as of October 2026.