Our Team

Gary Silverman, Founder, CFP®

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Gary's passion is to help people make the best use of their financial resources. Mostly he provides ongoing investment management, designing and implementing a balanced investment program. He also does retirement planning and can provide investment advice on an hourly basis. As a fee-only advisor, Gary avoids the conflicts of interest that arise with advisors who are compensated through the products they recommend. To learn more about Gary's methods of investing, here's a  link to his Investment Strategy.

 An MBA from the University of Dallas and a BS in Psychology from Miami Christian College provided Gary the educational and professional background necessary to excel in personal and family financial counseling. In addition, he holds the Certified Financial Planner license.  Gary maintains his expertise by spending hundreds of hours in continuing education each year.
Gary's financial articles can be read weekly in the Sunday edition of the Wichita Falls Times Record News and their monthly Business-to-Business publication. Gary taught business and management courses at Midwestern State University, Wayland Baptist University, and Vernon College; and he hosted a financial television show for many years. In addition, he speaks regularly to church and civic groups and puts on periodic workshops and seminars. His insights are the subject of numerous television interviews and newspaper articles. He publishes a bi-weekly e-Newsletter and has contributed to the Journal of Financial Planning.
As an active member of his community, Gary volunteers and supports various charities. Currently, he serves on the Interfaith Ministries Finance Committee and is on the advisory board of the Museum of North Texas History.

Gary’s background is more than just finance. He was a submarine sailor in the Navy, a training supervisor for Texas Utilities, and has consulted with several Fortune 500 companies in the area of personnel productivity.

Michelle Jarrett-Kuehner

Director, Operations and Chief Compliance Officer

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Michelle is responsible for most of Personal Money Planning’s client-contact activities and a considerable amount of the back office work. She helps Gary Silverman, the firm’s Certified Financial Planner, with marketing and community outreach (along with Tina Haapala), acts as human resource manager, and handles quite a bit of the company’s communications. In a nutshell, she does it all.

As the Chief Compliance Officer, she ensures that management and employees are in compliance with the rules and regulations of regulatory agencies, that company policies and procedures are being followed, and that behavior within the organization meets the company’s Code of Ethics. Michelle reinforces her human resources role by actively participating in the Wichita Falls Human Resource Management Association, where she also served on the executive committee.

Michelle is a lifetime resident of Wichita Falls, and being a part of the community is important to her. She actively participates as a Sustainer in the Junior League of Wichita Falls where she has held various leadership positions. Her past endeavors include chairing the International Friendship committee and the Attic Affair Committee, serving as a committee member for the Community Council and Finance Council, and as an advisor for Attic Affair committee. She is also a member of the Association of Junior Leagues International.

Before coming to Personal Money Planning, Michelle had 12 years banking experience. She holds a Bachelor’s degree in Occupational Education with a Business specialization from Wayland Baptist University, where she graduated with highest honors. In addition, Michelle has earned the designations of Certified Credit Counselor and Certified Financial Health Counselor. This allows her to better help the firm’s clients learn the importance of budgeting, savings, and retirement funding, in addition to helping them understand mortgage lending and student loans.

Tina Haapala

Marketing Specialist

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Tina's main focus at Personal Money Planning is marketing and community outreach. She looks forward to meeting you at a future seminar! 
Tina graduated with honors from Arizona State University, where she received a Bachelor of Science in Communication and a minor in Business. After graduation, she gained experience in customer service, sales/marketing, and operations management. Since moving to Wichita Falls in 2007, Tina has rediscovered her passion for writing, and she helps other writers on her website, http://www.excuseeditor.com. Her essays have been published in five different Chicken Soup for the Soul titles, as well as an anthology called "My First Year in the Classroom".

DaNella Organ

Director, Research and Planning

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DaNella works behind the scenes on special projects, reports, and compliance support.

DaNella earned her Bachelor of Business Administration from Midwestern State University while working for Personal Money Planning as a college student 10 years ago.  She has since moved to the Metroplex with her husband. In the meantime, DaNella has worked in real estate, mortgage banking, and management and received a Master of Arts in Management from Dallas Baptist University.  She currently resides in Trophy Club with her husband and two boys.

Karen White, Administrative Assistant to the Director


Karen is the cheerful voice that greets you on the phone and the first person you meet when you visit us at the office.  She comes to us with many years of customer service related experience. A longtime resident of Burkburnett, Karen spends her time away from the office with her husband of over 30 years. She and her husband enjoy church activities, and spending as much time as possible with their two grandsons, who live in the Metroplex area.

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