Personal Financial Solutions, LLC

Personal Financial Solutions, LLC (PFS) is an SEC registered investment advisor based in New Jersey, specializing in comprehensive financial planning services since 1996. The firm is owned by Kenneth P. LeBlanc, CFP®, and Ellen D. LeBlanc, MA. PFS offers investment management services with ongoing reviews, financial planning services covering various areas such as investment, retirement, estate planning, and more. Clients can receive one-time or periodic investment analysis separate from management services. PFS customizes services for individual investors, adjusting strategies based on client criteria. The firm manages $136,603,203 in assets on a discretionary basis. Fees are charged based on a percentage of assets under management, with negotiable rates depending on the client's portfolio value. Fixed-rate fees apply to financial planning and investment advisory services. Pro-rata fees are assessed based on the number of days a client is active within a quarter. PFS does not engage in performance-based fees. The firm acts as a fiduciary, putting clients' interests first and disclosing any conflicts of interest, such as recommending rollovers for IRA management. Clients have investment discretion, with PFS making necessary changes to maintain asset allocation. PFS recommends Schwab as a custodian and broker, providing access to various investment products and services. Clients receive quarterly account reviews and statements directly from the custodian. PFS does not provide investment advice on proxy voting.