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Our Personal Financial Planning process focuses on personal concerns, needs, goals and priorities.

Personal Financial Planning Available, as needed, covering the following:

Service Features: 

The following Personal Financial Planning services are typically provided, subject to client’s needs and interests and appropriate suitability:  

Goals and Objectives Formal preparation of personal financial planning goals & objectives.

Personal Retirement Planning projection, updated every 3-5 years or as needed. 

Annual Personal Net Worth of Assets and Liabilities and Net Worth and historical changes 

Annual Cash Flow Report of sources and uses of cash, including saving or spending ratios and changes

Annual Income Tax Summary and Analysis

Semi-annual Personal Meetings  are scheduled to review Personal Financial Planning and Investment Management issues

Any such financial planning services will be defined by written agreement.  The Adviser will not be responsible for any financial planning issues not requested by the client.

Financial Planning Services are governed by the Certified Financial Planner Board of Standards Code of Ethics and Professional Responsibility including formal Practice Standards.  

Our firm also subscribes to the NAPFA Fiduciary Oath. 

Berno Financial Management, Inc. is a Registered Investment Adviser in accordance with federal law.