About Us

If you're like most people then much of what you hear from Wall Street is focused on investing. This is for good reason, because sound investing isn't easy and is one of the most critical aspects of managing your personal finances. But there are other facets of financial planning that are often overlooked. 

Karl Molwitz










Karl F. Molwitz | President/Owner, Personal Financial Planning

Karl joined Personal Financial Planning in 2000 after spending 15 years in corporate management in the insurance/reinsurance industry. He has been a Certified Financial Planner® since 2003. Karl holds a B.A. from Ithaca College. He is an active member of the Financial Planning Association (FPA) as well as the Financial Services Institute (FSI). Most importantly he is an advocate of making sound financial advice available to those who need it.

Sandy Hyde | Office Manager

Sandy joined Personal Financial Planning in July, 2007. Her prior experience as an office manager for a prominent physician has been invaluable. She helped bring us into the digital age by implementing and maintaining our paperless office system. She has also automated and streamlined many of our internal processes.

Margaret H Molwitz | Founder, Personal Financial Planning

Margaret had an extensive background in Finance, both on Wall Street as an analyst, and in the Corporate World. She is a Finance graduate from the MBA program at the University of Connecticut. Margaret founded Personal Financial Planning in 1981, armed with years of experience as a Financial Planner. At that time Financial Planning was a new field and not widely available. She envisioned Financial Planning as a valuable tool for building a sound financial future for anyone who had the will to do so.