A Trip Down Memory Lane on Our Anniversary

July 26, 2019, marks our firm’s 26th anniversary, so for a brief stroll down memory lane …

Berno Financial Management. The name says it all. Take the Berno out of it and financial management is what our team is available to do for you.

Any time you have a personal financial question or a personal financial issue, we want to hear from you. If we can’t help you, chances are we know someone who can.

OK, you say you already knew this, so why are we telling you now? We have learned that even our long-term clients are surprised at the issues we address as our clients and their families move through different stages of life. So contact us any time you have a question about:

  • Retirement projections

  • College projections

  • Social Security decisions

  • Medicare decisions

  • Exercising stock options  

  • Employer benefit plans

  • Employer retirement choices

  • Expense tracking programs 

  • Estate plan documents

  • Charitable gifting

  • Health savings accounts

  • Disability, life, long-term-care, home/auto/liability insurance

  • Elder care planning

  • Beneficiary designations 

  • Beneficiary designations

  • Buying/selling a home

  • Refinancing your home

  • Buying a car

  • Roth IRA funding for children/grandchildren  

  • College funding for children/grandchildren

  • Attorney, accountant, insurance agent recommendations

Over the years we have expanded our network of referral sources, recently adding college planning consultants and a healthy-aging consultant. Our goal is to be able to serve you and your family members at every stage of life.

Of course, investment management remains a core of our service. While we started out trying to pick superior, actively managed funds in advance, it didn’t take us long to learn that index and passively managed funds provided relative performance, optimum diversification, lower costs, and better income tax efficiency. Therefore, index and passively managed funds are our core holdings today.

Academic research is also the hallmark of our broadly diversified, multi-asset-class strategy. We are proud to be early adopters of an investment philosophy that is becoming more widely adopted today.

Looking to the future, we continue to seek ways to serve you even better. We appreciate your confidence and trust, and look forward to providing you with financial peace of mind in the years ahead. Thank you, again, and enjoy these summer days!

As always, please contact us with any questions, news, or comments.