Personal Money Planning is a Securities and Exchange 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 for help and advice in their money matters. Early on he saw the conflicts of interest that resulted from being paid for 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 being a team of professionals. Currently, he provides strategic oversight of the investment side of the firm as well as being a voice of the firm in its outreach purposes. 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 provide Gary the educational and professional background necessary to guide individuals and families in their quest of financial knowledge and security.

His insights are the subject of numerous television interviews, newspaper articles, public speaking engagements, and has contributed to the Journal of Financial Planning.

Early on, 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.

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®, CEP® , CRPC®, CEPF®, ADPA®, FPQP™, CCC, CFHC

President; Certified Financial Fiduciary®
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Michelle, a lifelong Wichita Falls resident, joined Personal Money Planning in 2005, making her a Financial Services Industry veteran. In 1993, she began her career primarily in banking and consumer lending. She moved to Personal Money Planning in 2005 and has been there ever since. Her responsibilities here have ranged from Office Manager to Human Resources Manager, Chief Compliance Officer, Managing Director of Operations, and more. In 2018, she added President to her list.

Michelle holds the Chartered Financial Consultant (ChFC®) and Chartered Retirement Planning Counselor (CRPC®) designations, as well as the Certified Educator in Personal Finance (CEPF®), Accredited Domestic Partnership Advisor (ADPA®), Certified Estate Planner (CEP®), Financial Paraplanner Qualified Professional (FPQP™), Certified Financial Fiduciary®, Certified Credit Counselor (CCC), and Certified Financial Health Counselor (CFHC). She also has the Series 65 license, which allows her to act as an Investment Advisor Representative and provide investment management advice. Michelle has also completed her coursework in the highly prestigious CERTIFIED FINANCIAL PLANNER certification program, is working on her Master Certified Estate Planner (MCEP®) designation, and has a popular personal finance blog called Fix Your Budget. Many of Michelle's financial articles can be read in the Wichita Falls Times Record News each month.

As Chief Compliance Officer (CCO), she ensures that management and employees follow regulatory agency rules and regulations, that company policies and procedures are followed, and that organizational behavior complies with the company's Code of Ethics. She is a member of the DFW Compliance Professionals, the National Society of Compliance Professionals, and the Society for Financial and Career Consulting Professionals.

Michelle values being a part of the community as well. She is a Sustainer for the Junior League of Wichita Falls, where she has served in a variety of leadership roles. In addition, she has served on the boards of the Wichita Falls Human Resource Management Association and Associated Business Partners. She also serves as a FINRA Arbitrator and sits on the Certification Committee of the National Association of Certified Financial Fiduciaries.

Michelle graduated Summa Cum Laude from Wayland Baptist University with a Bachelor's degree in Occupational Education with a Business specialization.

Michelle studies regulations and laws for hundreds of hours each year in order to maintain her level of expertise in areas such as compliance, investment management, personal finance, behavioral finance, consumer finance, and financial planning.

Brittany Schultz

Vice President
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Brittany has a Bachelor of Science in Accounting from UMUC, where she graduated Cum Laude. She holds the Series 65 license which allows her to provide investment management advice as an Investment Advisor Representative. She is currently pursuing her CERTIFIED FINANCIAL PLANNER™ certification.

Brittany previously worked in a banking center in the UK for 5 years, 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. She joined Personal Money Planning in 2019.

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. Spending time with her husband and 3 children is her main priority, but she enjoys exercising and learning continuously. You can usually catch her reading books for fun!

Rachel Esser

Executive Assistant
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Rachel is the newest addition to the office and new to the Wichita Falls area. She grew up an Army brat but calls Virginia home since that is where she attended high school and college.

Rachel holds a BA in English with a concentration in Linguistics and an IT minor, and most of her work experience involves providing customer service to a wide array of individuals.

She previously worked for the Texas Health and Human Services Commission as a Texas Works Advisor, and it was that job that began her involvement and sparked her interest in finance.

Rachel recently completed her certification as a Financial Paraplanner Qualified Professional and is excited to put her newfound knowledge to work.

She loves spending time with her dog, Penelope, who she adopted from the Texas Great Pyrenees rescue last year, and is a big proponent of "adopt don't shop." 

In her spare time she enjoys reading, watching true crime dramas, and going to the gym. 

You are also very likely to see Rachel on any given morning waiting in a Starbucks drive-thru line.

Dennicia Jeffers

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Dennicia, or "Denny" as you may have heard us call her, is the newest addition to our team. She was born and raised on the island of St. Christopher where she began her career working at the Customs and Excise Department.  She later decided to pursue her higher education goal and packed her bags, ready to head to the North Texas area.

After moving to the US, she studied finance at Midwestern State University in Wichita Falls, Texas, where she earned her bachelor's in finance. When asked about some of the more challenging events in her life, she stated that transitioning from one lifestyle and culture to another can be difficult and challenging. The weather has been a significant challenge for her, going from consistent sunshine throughout the year to unpredictable weather patterns, often occurring within the same day. 

Her passion for finance has made her a wonderful addition to the Personal Money Planning team. She is very detail oriented, which is a huge help when it comes to the various forms and paperwork we deal with on a daily basis.

In her free time, she enjoys traveling, shopping, and cooking (we also enjoy it when she cooks and bakes). Her ultimate goal is to continue her journey toward becoming an entrepreneur.