PERSONAL FINANCIAL SPECIALISTS

Overview

Personal Financial Specialists operates as a sole proprietorship offering fee-based advisory services and insurance brokerage. The firm is registered as a representative of a broker-dealer and provides portfolio management for individuals and small businesses, and lists pension consulting services among its advisory activities. Its filing indicates it does not act as an active ESG investor and it is not registered as a multi-state adviser. Investment activity is limited in scale and is conducted on a non-discretionary basis. The firm reports a leaning toward pooled or non-standard asset classifications (the largest reported asset bucket is labeled “Other”), and it primarily uses mutual funds as its retail investment vehicle. The business model combines brokerage/insurance distribution with advisory services and a percentage-of-AUM fee structure.

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Location & Offices