# Personal Financial Specialists

> Personal Financial Specialists is a state-registered investment advisory firm in Cedar Knolls, NJ, registered since 2026, reporting under $25 million in regulatory assets under management in its Form ADV filing dated January 4, 2026.

- CRD: 128736
- Filed as: PERSONAL FINANCIAL SPECIALISTS
- Legal name: Noonan, Francis Terrence
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Cedar Knolls, NJ
- Filing period: October 2026
- Form ADV filing dated: January 4, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/128736
- AdvisorCensus page: https://advisorcensus.com/firm/personal-financial-specialists-cedar-knolls-nj-128736

## Quick answers

**How is Personal Financial Specialists compensated?**
On its Form ADV (Item 5.E, October 2026), Personal Financial Specialists reports these compensation arrangements: a percentage of assets under its management. The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Personal Financial Specialists located?**
Personal Financial Specialists' principal office is in Cedar Knolls, NJ, according to its Form ADV.

**Is Personal Financial Specialists registered with the SEC or a state?**
Personal Financial Specialists is a state-registered investment advisory firm, registered since 2026. Status as filed: APPROVED. CRD 128736.

**How much does Personal Financial Specialists manage?**
Personal Financial Specialists reports $610,240 in regulatory assets under management in its Form ADV filing dated January 4, 2026 (0% discretionary).

**Does Personal Financial Specialists report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/128736

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Regulatory assets under management (Item 5.F)
- Total: $610,240
- Discretionary: $0
- Non-discretionary: $610,240

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $610,240 |

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

### Firm details
- Registered since: 2026 (0 years)
- Employees: 3 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: NJ
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- bna401k.com

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Personal Financial Specialists (CRD 128736): Form ADV filing data as of October 2026.