Bernicke Wealth Management is an independent financial firm serving clients across Minnesota and Wisconsin, with offices in Minnetonka, Woodbury, De Pere, and Eau Claire. The wealth strategies we design for you are implemented and closely monitored to help you maintain your desired lifestyle and pursue your financial goals.
Clients have not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
Bernicke Wealth Management provides comprehensive wealth management to investors who want financial confidence today and in the future.
We are an independent firm, which means we don’t offer proprietary products; instead, we take a consultative approach based on many factors unique to your situation.
One of our goals at Bernicke Wealth Management is to provide you with financial education throughout the process of working with us, starting before you even become a client. Neither you nor the wealth managers make any commitments without thoroughly discussing services, fees, and expectations. If you’re considering working with us, rest assured that you’ll come away with helpful information regardless of whether you choose to move forward with our firm.
The initial consultation is an exploratory meeting to collect goals, financial information and to decide whether we mutually would like to pursue additional planning opportunities. After the initial meeting, additional meetings are scheduled as needed.
Additional plan design meetings are used to identify an individual’s financial strengths, weaknesses, and opportunities. Stress testing financial assets against one’s goals, providing specific recommendations, and comparing one’s uniquely developed investment plan also occurs at these meetings.
Once a client, ongoing communication continues. Our firm monitors your accounts and contacts you as needed when opportunities are identified. In addition, we review your plans and goals regularly or as your financial situation changes.
Everything at our firm truly requires a team effort. As a client, you work with a team of financial professionals who strive to provide consistent communication and follow-through to help you reach your goals.
Gold hit record speculation levels, silver followed, and then a new Fed Chair nominee shook things up. Steve Latham, CFA, CFP®, Chief Investment Officer, breaks down what’s driving the precious metals volatility and what Kevin Warsh’s nomination could mean for markets, interest rates, and your portfolio.
Most people with a $3 million portfolio significantly underestimate how much they can save in taxes throughout retirement. We walk through three simple strategies that can save over $1 million in retirement taxes—from minimizing your tax cost ratio to properly allocating assets across your tax buckets and avoiding expensive health insurance costs before Medicare.
Most people assume working two extra years means significantly more retirement income. But with a $2 million portfolio, the difference might surprise you. After 40 years of helping clients with retirement planning, we’ve found that many people work longer than they actually need to. In this video, we walk through an income projection analysis comparing retiring at age 60 versus age 62 with a $2 million portfolio.
Each client has a core team of professionals working on their behalf. Your core team may also lean on the knowledge of other in-house professionals, outside CPAs, attorneys, and others as needed.
We strive to make our advisory fees easy to understand and transparent. Before becoming a client, we do an analysis that helps you understand what you are presently paying and compare it to what you would pay working with our firm. If you don’t currently understand what you are paying, you may find this process refreshing.
Imagine having all of your assets, liabilities, and income summarized in one location. Our advisors help you maintain this data over time and develop appropriate strategies for each phase of your life.
President Ty Bernicke’s research on investment management and financial planning has been recognized or published in multiple national publications, including Forbes, The Wall Street Journal, and The New York Times. Our wealth managers use Ty’s ongoing pursuit of financial research to help clients maintain their desired lifestyle while pursuing their financial goals. Ty is a member of the Forbes Finance Council and has also been recognized as the Best-In-State Wealth Advisor by Forbes eight years in a row.
Your financial overview summarizes your assets, income sources, goals, and other pertinent financial information, which helps your advisor and our internal team develop a plan that we help you implement upon your approval. The core areas that we address for your plan include Investment Management, Tax Minimization, Retirement Income Planning, Estate Planning, and Risk Management.
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