Personal Wealth Advisory is a registered investment advisor founded in 2003 and based in Lancaster, Pennsylvania. The firm provides personalized financial planning and consulting services to individuals, trusts, estates, charitable organizations, and small businesses. Personal Wealth Advisory also operates a content website called TeachersRetire, which offers educational resources and retirement planning specifically designed for Pennsylvania public school employees. The firm focuses on comprehensive financial planning—including cash flow management, tax planning, insurance reviews, education funding, retirement planning, and estate planning—along with business transition planning for small business owners. Personal Wealth Advisory does not directly manage investment portfolios; instead, clients receive financial plans and investment recommendations, which can be implemented through an affiliated broker-dealer, Geneos Wealth Management. The firm uses a structured, collaborative planning process to guide clients through discovery, collaborative planning, recommendations, implementation, orientation, and ongoing progress reviews.
Fee Structure
- Personal Wealth Advisory Process (Comprehensive Financial Planning) — $1,500 to $6,000 depending on the complexity of your situation, covering cash flow, investments, taxes, retirement, estate planning, and insurance.
- General Financial Planning and Consulting — $150 to $400 per hour for specific projects or limited scope advice.
- Business Transition Planning — $3,500 to $7,500 annually (or $150 to $400 per hour) to help small business owners evaluate and plan the sale or transition of their business within 5 to 10 years.
- Educator Retirement Planning — $2,000 to $4,000 for specialized retirement planning tailored to Pennsylvania school educators.