Personal Benefits Planning LLC

Personal Benefits Planning LLC is a small, state‑registered, single‑advisor investment advisory firm that serves individual clients (including some high‑net‑worth individuals) with portfolio management, periodic portfolio supervision, financial planning, and consulting. The firm also assists clients in selecting and monitoring unaffiliated third‑party money managers and prepares written financial plans and investment policy statements as part of its services.

The firm’s investment process emphasizes individualized asset allocation and suitability analysis across equities, fixed income, mutual funds, ETFs, variable products and, when appropriate, alternative investments such as non‑traded REITs and BDCs; accounts may be managed on a discretionary or non‑discretionary basis. It combines ongoing portfolio management with related tax and insurance advice delivered through the principal’s outside business activities, and conducts periodic reviews and rebalancing guided by client objectives and risk tolerance.

Distinctive aspects include the firm’s integration of tax preparation and insurance agent activities alongside advisory services — an uncommon combination for an independent solo RIA and one the brochure highlights as a potential conflict that is disclosed to clients. The practice is modest in scale (roughly $3 million in regulatory AUM and fewer than 20 advisory clients), discloses a prior personal bankruptcy and subsequent regulatory settlement involving the principal, and routinely uses institutional platforms (including Orion and a specialized institutional custodian) for reporting and execution.