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Our advisory services emphasize Client Education and are based on a formal Client Investment Policy.

Our investment strategy utilizes a broadly diversified portfolio emphasizing passively managed, income tax efficient and cost efficient investment vehicles with traditional, active management incorporated based on client needs and suitability.

Tax Efficiency and Cost Control are emphasized to maximize net return. 

Primary consideration will be given to mutual funds and Exchange Traded Funds (ETF’s) due to their many advantages, including multi-asset class and style diversification, use of passive and active management, performance uniformity and reduced manager risk.

We do not recommend specific individual stocks, with limited exceptions. 

Investment assets must be able to be held at an eligible mutual fund company or brokerage firm so that data is available electronically for multiple reporting purposes.  Otherwise, a One-Time Consultation Service is recommended.

We will typically prepare and process all paperwork and execute transactions. You will receive :

A Custom Portfolio Report, quarterly, summarizing your portfolio and comparing the Actual Portfolio to Target Portfolio in various ways. 

Annual Investment Review with detailed performance measurements.

Continuous Tracking of Cost Basis information for tax purposes for analysis before sell decisions in taxable accounts. 

A Year-End Realized Gains and Losses Report will be prepared for taxable accounts. The report includes date acquired and cost basis information needed for preparation of your income tax return and capital gain distribution information for tax estimates.

Our monthly newsletter “Fun Facts to Know and Tell”  

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

Free initial consultation with no obligation. All matters are completely confidential