Personal Financial Advisors, Inc.

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Client assets under management

$80,104,810

Clients

155

11% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$516,805

About

Personal Financial Advisors, Inc. provides investment management and comprehensive financial planning primarily to individual clients, including high‑net‑worth households. Services described in the brochure include tailored investment policy development, retirement and business planning, tax‑aware investment guidance, college savings, insurance and risk reviews, and cash‑flow and debt management; the firm does not impose a minimum account size.

Portfolios are constructed around client‑specific investment policies and asset allocation targets developed through personal discussions, and the firm relies principally on fundamental analysis to evaluate securities. Notably, Personal Financial Advisors manages client assets largely on a non‑discretionary basis and will not accept discretionary trading authority, so clients retain final approval of transactions.

The firm is a small, state‑registered adviser led by a CFP® principal with two additional CFP® planners, and as of December 31, 2025 managed, on a non‑discretionary basis, $80,270,312 which represented 405 accounts. It offers an alternative net‑worth–based advisory pricing option in addition to AUM‑based arrangements, uses Altruist Financial LLC as its preferred custodian, does not participate in wrap fee programs, and does not vote client proxies.

Client services

Financial planning Portfolio management

Expertise

Business ownership considerations Cash flow / budgeting College savings (529s, UTMA, etc.) Retirement income strategy General tax planning

Fee options

Percentage

$0 - $499,999: 1.00% $500,000 - $999,999: 0.95% $1,000,000 - $1,499,999: 0.90% $1,500,000 - $1,999,999: 0.85% $2,000,000 - $2,999,999: 0.80% $3,000,000 - $3,999,999: 0.70% $4,000,000 - $4,999,999: 0.60% $5,000,000 - $5,999,999: 0.50% $6,000,000 - $6,999,999: 0.40% $7,000,000 - $7,999,999: 0.30% $8,000,000+: Negotiable

Other

Minimum fee: $4,800 to $22,800 per year based on net worth tiers; fees negotiable above $8,000,000 net worth Fee-only: Fee-only advisory fees based on net worth or assets under management; no commissions or performance-based fees

Main office location

Personal Financial Advisors, Inc.

70 E. Columbus Street

Pickerington OH 43147, United States

Number of offices

Most active in

Ohio · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Facebook X Website 614-837-7000

Advisors at this firm

Jacob H

CFP®, Series 65

Pickerington, OH

Personal Financial Advisors, Inc.

Jacob Hrusovsky is a CFP® and Series 65-licensed advisor with Personal Financial Advisors, Inc. He has been in the financial services industry since 2020, with prior roles at Keeler & Nadler Family Wealth, Ameriprise Financial Services, and Budros, Ruhlin & Roe. Personal Financial Advisors, Inc. provides continuous investment advisory services and comprehensive financial planning tailored to individual clients. The firm uses fundamental analysis to create customized portfolios and asset allocations, operating on a nondiscretionary basis that keeps clients in control of transactions.

Business ownership considerations Cash flow / budgeting College savings (529s, UTMA, etc.) Retirement income strategy General tax planning

David S

CFP®, Series 63

Pickerington, OH

Personal Financial Advisors, Inc.

David Stone is a CFP® with 24 years of industry experience, currently serving as president of Personal Financial Advisors, Inc. in Pickerington, Ohio. He has been with Personal Financial Advisors since 2004 and has worked with Brecek & Young Advisors, Inc. since 2001. Personal Financial Advisors, Inc. provides continuous investment advisory services and comprehensive financial planning to individual clients, focusing on retirement planning, college savings, insurance review, cash flow, and business planning. The firm employs fundamental analysis to create tailored portfolios and asset allocation targets, managing approximately $68 million on a nondiscretionary basis while clients retain final control over transactions.

Business ownership considerations Cash flow / budgeting College savings (529s, UTMA, etc.) Retirement income strategy General tax planning

Laura W

CFP®

Pickerington, OH

Personal Financial Advisors, Inc.

Laura Wall is a CFP® professional with eight years of industry experience, currently serving at Personal Financial Advisors, Inc. in Pickerington, Ohio. She has been with the firm since 2006. Personal Financial Advisors, Inc. provides continuous investment advisory services and comprehensive financial planning tailored to individual clients, focusing on areas such as retirement planning, college savings, insurance review, and business planning. The firm employs a fundamental analysis-driven investment process to create customized portfolios and asset allocations, operating on a nondiscretionary basis with approximately $68 million managed as of December 2024.

Business ownership considerations Cash flow / budgeting College savings (529s, UTMA, etc.) Retirement income strategy General tax planning

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