Personal Money Planning is a Texas and Oklahoma State Securities Board Registered Investment Advisor providing Financial Planning and Investment Management services. The firm is located in Wichita Falls, Texas. We work with individuals, families, and businesses, to help them determine and achieve their financial goals.

We don't just tell you what to do; we take the mystery out of financial planning and investments. Our clear recommendations will show you how you can reach your goals...and perhaps achieve your dreams.

Being a Fee-Only firm, you can rest assured that we are not making our recommendations based on how much commission we are going to earn or a trip we are trying to win.  Our only compensation comes from you, the client.  No gimmicks, no kickbacks from a company or product we recommend.

Learn more about us:

Meet our people

Read our Mission Statement

Read our Code of Ethics

Read about our History

Keep up with us

Gary Silverman CFP®

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Gary is the founder of the firm. Back in 1993, he formed Personal Money Planning as a place where folks could turn to for help and advice in their money matters. Early on he saw the conflicts of interest that resulted from being compensated based on selling clients stuff and shifted the firm to the fee-only advisory firm that continues today.

Over the years, the firm has grown from Gary handling everything to him now leading a team of professionals. Currently, he provides strategic oversight across the Financial Planning and Investment sides of the firm as well as being the voice of the firm in its outreach purposes. He still meets with both current and prospective clients to ensure their needs are met and their questions are answered. Gary's financial articles can be read weekly in the Wichita Falls Times Record News. 

Gary’s book, Real World Investing: A Sensible Approach from the Guy Without the Tie, is available on amazon.com.

Gary earned an MBA from the University of Dallas and a BS in Psychology from Miami Christian College. In addition, he holds the Certified Financial Planner ® license. These provided Gary the educational and professional background necessary to guide individuals and families in their pursuit of financial knowledge and security.

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 (sign up here) and has contributed to the Journal of Financial Planning.

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 Kuehner ChFC®, CRPC®, CEPF®, FPQP™, CFF, CCC, CFHC

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A lifetime resident of Wichita Falls, Michelle joined Personal Money Planning in 2005, which makes her a veteran of the Financial Services Industry. She started out her career primarily in banking and consumer lending in 1993. In 2005 she made the move to Personal Money Planning, where she has been ever since. Her duties here have included everything from Office Manager, Human Resources Manager, Chief Compliance Officer, Managing Director of Operations and more. As of 2018, her list now includes President.

Michelle has received the Chartered Financial Consultant (ChFC®) designation, along with the Chartered Retirement Planning Counselor (CRPC®), Certified Educator in Personal Finance (CEPF®), Financial Paraplanner Qualified Professional (FPQP™), Certified Financial Fiduciary® (CFF), Certified Credit Counselor (CCC), and Certified Financial Health Counselor (CFHC).  She also holds the Series 65 license which allows her to provide investment management advice as an Investment Advisor Representative. Michelle has also completed her course work in the highly prestigious Certified Financial Planning® certification program and has also established a well-followed personal finance blog called Fix Your Budget.

As the Chief Compliance Officer, she ensures that management and employees are following 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. She is a member of the National Society of Compliance Professionals (NSCP) and the DFW Compliance Professionals.

Being part of the community is important to Michelle as well. She is a Sustainer for the Junior League of Wichita Falls where she has held various leadership positions. She has also served on the boards for Wichita Falls Human Resource Management Association and Associated Business Partners.

Michelle holds a Bachelor’s degree in Occupational Education with a Business specialization from Wayland Baptist University, where she graduated with the highest honors.

Michelle spends hundreds of hours a year studying regulations and laws to maintain her level of expertise in areas of compliance, investment management, personal finance, behavioral finance, consumer finance, and financial planning.

Brittany Schultz

Director of Investment Research and Operations
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Brittany has worked in the Financial Industry for just over 5 years. She worked in a banking center in the UK for most of that time where she was a supervisor for over two years. Her experience working and living in another country as a military spouse helped shape her passion for helping people understand their finances.

Brittany has a Bachelor of Science in Accounting from UMUC, where she graduated Cum Laude. She is currently working on obtaining her Series 65 license and plans to pursue her Certified Financial Planner license.

While her journey began with accounting, along the way she discovered personal finance and her goal of helping others align their values with their spending. Family is her main priority, but she enjoys reading and learning continuously. You can usually catch her reading books for fun! 

Abby O'Reilly

Client Services Assistant
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Abby is not only the newest addition to the office but also a new transplant to the Wichita Falls area, having been born and raised in eastern NC. In July 2021, she moved here with her husband, John, and their 3 dogs and 2 cats. Clearly “animal people,” they have already added a new dog to the house.

Over the years, Abby gained substantial experience in customer service and retail/food service management. Her desire to help people led her to earn a BS in Psychology from Liberty University. Administrating an estate following a close, personal loss not only resulted in a lot of personal learning, it also sparked an interest in financial planning and preparedness, thus leading her to begin a second BS in Accounting.

When not at work, Abby and John enjoy spending time at home with their ‘pack,’ playing card or board games, and settling into their new house and the area. They are also avid churchgoers who enjoy getting involved in community outreach and making new friends here. Aside from that, you can find Abby in her kitchen cooking up good, southern, soul food or nose deep in a good book or even digging in the dirt tending to an ever-growing assortment of plants.