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.

The Personal Money Planning, LLC Difference

Integrated Approach

We include all the financial areas in your life, including taxes and investments, into a comprehensive plan.

Individual, Confidential Service

Each client is different, and our advice is different for each. Money is an intensely personal matter. That is why we treat you as a unique individual, providing the professional guidance you need to focus on your goals. We are a small, independent firm whose only loyalty is to our clients.

Unbiased, Fee-Only Commitment

We provide investment advice without the conflict of commissions. Some firms call themselves "fee-based" but still sell products. We never receive compensation from the sale of investments or insurance. This ensures that we remain objective--our income does not depend on us "selling you something."

Substance, not just form

At Personal Money Planning, LLC you won't find mahogany desks and three-piece suits. Instead you'll find people who genuinely want to help you reach your dreams. We can only be successful if you are.

Our investment advice is customized to each client.  We examine your situation, your current portfolio, determine the level of risk that you can live with, and then recommend the specific investment mix that is right for you.  We will even help you open an account and allocate your money according to the recommendations that were established.

Financial planning is offered on an hourly basis.  We can answer a specific question that you have, project what you'll need for retirement, help you figure out how much and what types of insurance you need, or complete a comprehensive financial plan.  We don't have a cookie-cutter formula; rather we tailor our advice to your personal needs.

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 for 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 form the Guy Without the Tie, is available from abpbooks.com or 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

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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 with over 25 years of experience. The first 12 years she was primarily in banking and consumer lending. The last 13 years she’s been with Personal Money Planning. 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 holds the Series 65 license which allows her to provide investment management advice as an Investment Advisor Representative. She has also completed her course work in the highly prestigious Certified Financial Planning® certification program. In addition, Michelle has earned the designations of Certified Credit Counselor and Certified Financial Health Counselor. This allows her to better assist the firm’s clients in learning the importance of budgeting, savings, retirement funding, in addition to helping them understand mortgage lending and student loans. She also has a well-followed personal finance blog called Fix Our Budget.

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. 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 highest honors.

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

Kody Nix

Financial Planning Specialist
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Kody recently received his Bachelor of Science in what Gary, and most advisors, consider the the premier financial planning program in the world, the Personal Financial Planning program at Texas Tech University.  Kody will be working with Personal Money Planning clients to  develop financial plans specific to their life circumstances. Besides the few years he spent in Lubbock for college, Kody has lived in the Wichita Falls area his entire life. 

Tina Haapala

Marketing Manager
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Tina helps get the word out about Personal Money Planning through the website, newspaper articles, social media, correspondence, and seminars. If you’re reading about Personal Money Planning somewhere, it’s crossed Tina’s desk. Would you like your business or group like to receive a financial presentation from one of the Personal Money Planning professionals? Give Tina a call!

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. 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". She also enjoys making people laugh, and can be found a few times a year performing with the Backdoor Theatre’s Improv Players!