Personal Financial Advice & Insights, LLC

The firm provides fixed-fee financial planning and advisory services to individual and high‑net‑worth households through seven defined modules, including foundational planning, investment plan & strategy, income tax strategy, retirement planning, Medicare/self‑employed health care, elder‑care management, and small‑business 401(k) plan design. Services are delivered as standalone projects or as low‑cost annual plan updates and the firm does not take custody of or manage client assets.

Rather than exercising investment discretion, the firm focuses on tailored recommendations and client education to enable clients to implement and self‑manage portfolios with a broker of their choice; it uses two client‑completed surveys to assess goals, risk tolerance, and investment knowledge and applies analyses such as Monte Carlo modeling for retirement scenarios. The adviser emphasizes diversification, rebalancing, and clear explanations of systematic versus non‑systematic risk, and bills on a fixed, project‑based basis rather than charging a percentage of assets under management.

Noteworthy differences from many peers include the explicit absence of individual portfolio management and AUM‑based billing, combined with a modular planning model that addresses tax strategy (with fee adjustments tied to projected tax savings), elder‑care and Medicare guidance, and a distinct small‑business 401(k) offering — services that are less common for a solo independent advisory practice. The firm also states it receives no referral compensation and does not participate in client transactions, framing its service model around independent, fee‑for‑service planning.