# Personal Financial Solutions, LLC

> Personal Financial Solutions, LLC is an SEC-registered investment advisory firm in Manasquan, NJ, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated April 15, 2026.

- CRD: 129095
- Filed as: PERSONAL FINANCIAL SOLUTIONS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Manasquan, NJ
- Filing period: October 2026
- Form ADV filing dated: April 15, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/129095
- AdvisorCensus page: https://advisorcensus.com/firm/personal-financial-solutions-llc-manasquan-nj-129095

## Quick answers

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

**Where is Personal Financial Solutions, LLC located?**
Personal Financial Solutions, LLC's principal office is in Manasquan, NJ, according to its Form ADV.

**Is Personal Financial Solutions, LLC registered with the SEC or a state?**
Personal Financial Solutions, LLC is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 129095.

**How much does Personal Financial Solutions, LLC manage?**
Personal Financial Solutions, LLC reports $155,649,583 in regulatory assets under management in its Form ADV filing dated April 15, 2026 (100% discretionary).

**How have Personal Financial Solutions, LLC's assets and staff changed since 2021?**
In the Form ADV data for Personal Financial Solutions, LLC: Regulatory assets under management: $111,850,980 in the October 2021 data and $155,649,583 in the October 2026 data, up 39%. Total employees: 2 in October 2021 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Personal Financial Solutions, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (92); high net worth individuals (39).

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

**Does Personal Financial 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/129095

**What changed in Personal Financial Solutions, LLC's recent Form ADV filings?**
In the May 2026 filing data: Updated its list of owners and control persons (Schedule A).

## From the Form ADV filing

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

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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: $155,649,583
- Discretionary: $155,649,583
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 92 | $31,149,215 |
| High net worth individuals | 39 | $124,500,368 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2021 (5 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, NJ, PA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $111,850,980 | 2 | April 28, 2021 |
| October 2022 | $133,281,798 | 2 | March 31, 2022 |
| October 2023 | $103,379,570 | 2 | March 31, 2023 |
| October 2024 | $124,643,369 | 2 | March 29, 2024 |
| October 2025 | $136,603,203 | 2 | March 30, 2025 |
| October 2026 | $155,649,583 | 2 | April 15, 2026 |

Regulatory assets under management: $111,850,980 in the October 2021 data and $155,649,583 in the October 2026 data, up 39%.
Total employees: 2 in October 2021 and 2 in October 2026.

## Changes in the filing (last 12 months)

### May 2026
- Updated its list of owners and control persons (Schedule A).

### April 2026
- Regulatory assets under management went from $136,603,203 to $155,649,583 (+14%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Personal Financial Solutions, LLC (CRD 129095): Form ADV filing data as of October 2026.