# Personalized Financial Solutions LLC

> Personalized Financial Solutions LLC is an SEC-registered investment advisory firm in Clearwater, FL, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 15, 2026.

- CRD: 306475
- Filed as: PERSONALIZED FINANCIAL SOLUTIONS LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Clearwater, FL
- Filing period: October 2026
- Form ADV filing dated: September 15, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/306475
- AdvisorCensus page: https://advisorcensus.com/firm/personalized-financial-solutions-llc-clearwater-fl-306475

## Quick answers

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

**What does Personalized Financial Solutions LLC's brochure say about its fees?**
Its Form ADV Part 2A brochure dated August 25, 2026 states: Asset-based fee: 0.5% to 2% a year (a range, as the brochure states it). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Personalized Financial Solutions LLC located?**
Personalized Financial Solutions LLC's principal office is in Clearwater, FL, according to its Form ADV.

**Is Personalized Financial Solutions LLC registered with the SEC or a state?**
Personalized Financial Solutions LLC is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 306475.

**How much does Personalized Financial Solutions LLC manage?**
Personalized Financial Solutions LLC reports $142,558,870 in regulatory assets under management in its Form ADV filing dated September 15, 2026 (92% discretionary).

**How have Personalized Financial Solutions LLC's assets and staff changed since 2021?**
In the Form ADV data for Personalized Financial Solutions LLC: Regulatory assets under management: $0 in the October 2021 data and $142,558,870 in the October 2026 data. Total employees: 1 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Personalized Financial Solutions LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (102); high net worth individuals (42).

**Which custodians does Personalized Financial Solutions LLC use?**
Personalized 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 Personalized Financial Solutions LLC report any disciplinary disclosures?**
Reports 3 disclosure items on Form ADV Item 11: yes answers to 11.E(1) (self-regulatory organization's finding of a false statement or omission), 11.E(2) (self-regulatory organization's finding of a rule violation), and 11.E(4) (self-regulatory organization's expulsion, suspension, bar, or restriction). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/306475

**What changed in Personalized Financial Solutions LLC's recent Form ADV filings?**
In the February 2026 filing data: Regulatory assets under management went from $109,428,623 to $142,558,870 (+30%).

## 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 August 25, 2026)

- Asset-based fee: 0.5% to 2% a year (a range, as the brochure states it)

> Investment advisory fees range from 0.50% to 2.00% annually.

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

### 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: $142,558,870
- Discretionary: $130,553,769
- Non-discretionary: $12,005,101

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 102 | $43,654,376 |
| High net worth individuals | 42 | $98,904,494 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 2025 (1 year)
- Employees: 4 total, 2 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: FL
- Disclosures (Item 11): Reports 3 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.E(1): Has a self-regulatory organization (such as FINRA) or a commodities exchange ever found that the firm or an advisory affiliate made a false statement or omission?
- 11.E(2): Has a self-regulatory organization or a commodities exchange ever found that the firm or an advisory affiliate was involved in a violation of its rules, other than a minor rule violation under a plan the SEC approved?
- 11.E(4): Has a self-regulatory organization or a commodities exchange ever disciplined the firm or an advisory affiliate by expelling or suspending it from membership, barring or suspending it from association with other members, or otherwise restricting its activities?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/306475

### Websites listed on Form ADV (Item 1.I)
- pfsinvest.com
- LinkedIn @todd-seymour-19b64014
- YouTube @thinkdifferentlyaboutmoney

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $0 | 1 | September 30, 2021 |
| October 2022 | $51,314,237 | 4 | April 12, 2022 |
| October 2025 | $109,428,623 | 4 | July 28, 2025 |
| October 2026 | $142,558,870 | 4 | September 15, 2026 |

Regulatory assets under management: $0 in the October 2021 data and $142,558,870 in the October 2026 data.
Total employees: 1 in October 2021 and 4 in October 2026.

## Changes in the filing (last 12 months)

### February 2026
- Regulatory assets under management went from $109,428,623 to $142,558,870 (+30%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Personalized Financial Solutions LLC (CRD 306475): Form ADV filing data as of October 2026.