A New Kind of Accounting Firm
Introducing a new kind of accounting firm, 20 years in the making.
This is Personal Financial Services.
Serving Bloomington, IN and Beyond
We’re not too cool for school, and complete continuing education every year.
We’re a woman-owned, mostly woman-run business.
We strive to maintain a healthy work-life balance that prioritizes family more than working excessive hours.
When others raise their eyebrows at client spending habits, we keep our eyebrows to ourselves.
We break bread together, give each other rides, and pitch in when someone needs help — especially when that someone is a client.
We make it easy for you to turn in your documents via a new, accessible online portal (with phone app!) and after-hours drop box.
Elizabeth Ruh (she/her)
Enrolled Agent and CEO
Elizabeth is a Bloomington native, dedicated community volunteer, and the founder of Personal Financial Services.
She has more than 20 years of experience as an accountant and is an IRS Enrolled Agent — a federal designation she requires every preparer on the Tax Services team to meet as well.
Elizabeth loves running her business by example: as a single mom, she encourages a healthy work-life balance among the staff; as a business owner, she makes her own company flexible with and accessible to others; and as a community steward, she’s committed to making her business inclusive of those with unique needs.
With a strong team behind her, Elizabeth and Personal Financial Services are on a mission to make it possible for both her clients and her staff to improve their financial quality of life and reach their goals.
Justin Adams (he/him)
Tax Coordinator/Executive Assistant
You might recognize this Bloomington native from when he worked at his grandparents’ Vance music store downtown. At PFS, Justin handles client relations, file organization, and tracking down documents to get your taxes ready to prepare. As the only man full-time on staff, Justin has the emotional intelligence necessary to hold his own in the office.
Kristin Bell (she/her)
Office Manager
Walk into our Bloomington office or call our phone line, and you already know Kristin. She joined the team in 2017 with experience in both accounting and serving the elderly and disabled communities. It’s hard to feel stressed around Kristin — she brings a thoughtful touch and lively energy to our front office.
Magen Lucas (she/her)
Administrative Assistant
You’re probably already familiar with Magen’s calming voice if you’ve called our office recently. She brings the experience when it comes to customer service — she’s even worked within Medicaid, so she especially understands our clients who are navigating the program. When she’s not taking care of clients and office to-do’s, chances are Magen’s spending time outside with her kids.
Amanda Burton (she/her)
Guardianship Client Care Assistant
It takes a special kind of person to be a fiduciary for the disabled or elderly. You have to be a mix of caring, patient, organized, communicative, knowledgeable, and authoritative. Amanda checks all of these boxes, and then some. She spent 19 years working with two of Bloomington’s top nonprofits serving the disabled before joining PFS. How could we have gotten so lucky?
Sydney Thompson (she/her)
Tax Administrative Assistant
The complex details and pressing deadlines of tax work have met their match in Sydney and her easy-going, friendly personality. Whether she’s assembling or updating a tax file, or communicating with tax clients, Sydney’s always cool as a cucumber and sweet as sugar. She’s committed to lifelong education and loves learning something new each tax season.
Adrienne Kozacek (she/her)
Bookkeeping Assistant
Adrienne may have only worked with us since 2019, but she brings more than 20 years of business finance experience to the office. Whether it’s creating multi-million dollar budgets, maintaining business records, or pulling together a client’s data to get a picture of their life through numbers, we love Adrienne because of her industriousness and creativity.
Deb Wiggins (she/her)
File Clerk
Our team is busy, busy, busy, but thanks to Deb’s help, we run like a well-oiled machine. As a part-time file clerk, she keeps a large volume of complex and sensitive documents organized and orderly. Deb is always quick with a smile and a key contributor to the office’s friendly atmosphere.
“The breadth of Elizabeth’s knowledge, skills and compassion is impressive. I’ve always known she has a good heart based on all of the clients and very difficult situations that she has helped. I got to see her in action with a mutual client last week and I was amazed. She clearly and concisely had all of the financials organized and helped set a clear path for my client while including him in the process and being respectful of all parties involved. ”
— Heather Kinderthain