Personal Business Management Services, LLC, was established as an investment advisory firm by Helen. K. Simon in 1998. PBMS is registered as an RIA in the state of Florida and offers retirement planning and management services to individuals and small businesses nationwide.All of our lives, both clients and advisors, had been fixated on the idea of saving for retirement; what about a plan to spend it and not run out? This hit me like a rock when I first began to look at my own financial situation. Consider these options:• Which of my accounts should I tap first? • Can I retire next year? • Can I partially retire or just cut down and still be able to maintain my current lifestyle?PBMS is a firm that can help those people answer the big retirement questions. While we still offer the traditional fee-only investment advisory and money management services, we are ready to go to the next level with our clients and design a retirement decumulation program that they will not out-live. SPECIALTIES: social security optimization, retirement spending, RMA, CFP, DROP plans, defined contribution, bonds, retirement decumulation, fee-only, pension maximization, life expectancy.

SPECIALTIES: social security optimization, retirement spending, RMA, CFP, DROP plans, defined contribution, bonds, retirement decumulation, fee-only, pension maximization, life expectancy.