Personal Financial Profiles Inc

Updated today

Find your advisor

Client assets under management

$322,019,141

Clients

228

52% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

114

Very High

Average account size

$1,412,365

About

Personal Financial Profiles Inc. is an SEC-registered investment adviser serving individuals and pension and profit-sharing plans, managing roughly $335 million across about 228 client accounts with a two-advisor team. The firm provides discretionary portfolio management through its Elite and Premier managed-account programs custodial at Schwab, and also offers separate financial planning services on an hourly or fixed-fee basis.

PFP’s investment process blends behavioral, fundamental and technical analysis and may employ a range of strategies, including long- and short-term holdings, options, margin and short sales; the brochure discloses that active options or margin trading can lead to higher portfolio turnover and additional risks. The firm uses a leading portfolio-management technology with enhanced rebalancing and reporting features, conducts at least quarterly account reviews, and allows clients to place reasonable restrictions on how their accounts are managed.

Noteworthy aspects include the firm’s relatively large asset base managed by a small advisory team and formal disclosures about potential conflicts of interest: some advisory personnel are registered representatives of a FINRA broker-dealer and hold insurance licenses, and the firm discloses it financially benefits when retirement rollovers are moved into managed accounts. PFP does not accept directed brokerage, does not accept proxy-voting authority (clients retain voting responsibility), and leverages Schwab institutional/prime brokerage capabilities to access third-party bond inventory.

Client services

Financial planning Portfolio management

Expertise

Options & derivatives strategies Cash flow / budgeting

Fee options

Fixed

Fixed fees for financial planning based on scope and complexity; negotiable

Percentage

$0 - $500,000: 1.25% annually $500,001 - $1,000,000: 1.00% annually $1,000,001 - $3,000,000: 0.80% annually $3,000,001 - $5,000,000: 0.60% annually Over $5,000,000+: 0.50% annually

Commissions

Associated persons may earn commissions as registered representatives of APW Capital, Inc.

Project-based

$250 per hour

Other

Account minimum: $250,000 for Elite Account; $25,000 for Premier Account (negotiable in some cases) Fee-only: Hourly rate of $250/hour; Fixed fees based on scope and complexity, negotiable

Main office location

Personal Financial Profiles Inc

10100 W. Sample Road, Suite 300

Coral Springs FL 33065, United States

Number of offices

Most active in

Florida · New Jersey · New York · Pennsylvania · 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 Form ADV Part 3: Client Relationship

Quick links

Website 954-755-8647

Advisors at this firm

Frank P

Series 63, Series 65

Coral Springs, FL

Personal Financial Profiles Inc

Frank Pugliese is a financial advisor with Personal Financial Profiles Inc. in Coral Springs, FL, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has worked at Personal Financial Profiles Inc. since 1992 and previously founded Pugliese Financial Corp in 1979, where he remains involved providing insurance solutions. Pugliese also serves as Chairman-Emeritus of Personal Financial Profiles Inc. and is a registered representative with APW Capital, Inc. Personal Financial Profiles Inc. is an SEC-registered investment adviser managing approximately $335 million across about 228 client accounts with a two-advisor team. The firm serves individuals and pension and profit-sharing plans, offering discretionary portfolio management through managed-account programs and separate financial planning services, employing a blend of behavioral, fundamental, and technical analysis in its investment approach.

Options & derivatives strategies Cash flow / budgeting

David M

Series 63, Series 65

Naples, FL

Personal Financial Profiles Inc

David Maggio is a financial advisor at Personal Financial Profiles Inc. He holds Series 63 and Series 65 licenses and has 30 years of industry experience. His work history includes roles at Personal Financial Profiles Inc. since 2013 and Apw Capital, Inc. since 2014. Outside of advising, he is involved in insurance sales through ELM44 Financial Group, LLC. Personal Financial Profiles Inc. is an SEC-registered investment adviser serving individuals and pension and profit-sharing plans, managing approximately $335 million across about 228 client accounts with a two-advisor team. The firm offers discretionary portfolio management through managed-account programs and separate financial planning services, using a blend of behavioral, fundamental, and technical analysis with various investment strategies.

Options & derivatives strategies Cash flow / budgeting

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may—or may not—fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend—and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction—we're here to make sure the relationship works for you—and if not, to navigate next steps with clarity.

Our ongoing support