Personal Financial Specialists
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$610,240
Clients
0
Advisors
1
of 3 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
1
Very LowAverage account size
—
About
Personal Financial Specialists primarily serves retirement plans and plan participants, along with IRA and money-management clients, providing plan communication, administrative services and investment advice tailored to participant needs. The firm assists with initial fund selection, ongoing participant education and administrative support for qualified retirement plans in addition to offering account access and reporting for IRA and money-management clients.
The firm’s investment approach is largely non-discretionary: recommendations are typically limited to mutual funds and ETFs available through Charles Schwab’s no-transaction-fee lists (with a preference for funds rated 4– or 5‑star by Morningstar) and are guided by a primary-market-trend framework intended to keep clients invested during uptrends and more defensive during downtrends. Personal Financial Specialists combines technical and fundamental analysis, does not engage in day trading, and generally does not assume discretionary control of individual stock positions.
Noteworthy operational features include that the principal is also a registered representative and registered principal with LPL Financial and may execute commissionable transactions separate from advisory fees, while advisory accounts are placed with Charles Schwab. The firm emphasizes pension-consulting and participant-level services (including multiple pricing options that allocate plan administration costs among participants), does not take custody of client funds, and generally delegates proxy voting to clients.
Client services
Portfolio management
Pension consulting
Expertise
Retirement plans for business owners (SEP, solo 401k)
Retirement income strategy
Income planning
Passive / index investing
Occupation focus
Retired
Founder/Business Owner
Fee options
For some retirement plan clients, out-of-pocket cost limited to $375 per year under certain pricing options
$0+: Up to 1% annually for Money Management clients, negotiable $0+: .25% annually for IRA clients
Separate and standard compensation received as registered representative for executing security transactions; commissions may be charged by broker/dealer but not combined with advisory fees
Account minimum: $150,000 to $200,000 (if client wishes to trade individual securities) Fee-only: 0.25% per year for IRA clients; up to 1% per year for money management clients, negotiable; retirement plan fees negotiated with plan trustees, typically $375 per year out-of-pocket for plan participants under certain options
Main office location
Personal Financial Specialists
14 Ridgedale Ave, Suite 125
Cedar Knolls NJ 07927, United States
Number of offices
1
Most active in
Personal Financial Specialists has reported serving >5 clients in these states in the last 12 months.
New Jersey
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is 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.
Is not active or affiliated with:
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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