Well, I'm sure there's an example of serializing data over multiple forms out there, but I'll let you find those.
For now I'll just explain some ways you might go about this. I assume you are familiar with passing POST or GET (form) variables to another script. I case you need a refresher:
PHP Manual on external variables.
As for the serialization, the easiest method is to store your user data as Session data:
Session Functions
IOW store your POST info in a SESSION variable:
$_SESSION['personal-info'] = $_POST['personal-info']
These variables are accessible throughout the users session. The con to this method is that a user's session will time out after a certain amount of time. This timeout can be set in php.ini or with the ini_set(). IOW, if a user takes too long between page loads, his Session data can be lost.
To avoid the data-lost scenario above, you could store POST data from a previous form in hidden input tags from the current form to be passed on to the next in the same manner.