The success of your investment strategy comes down to three things: research, coordination, and team.
Managing investments well takes more than picking good funds.
Financial advisors wear a lot of hats. Client meetings, trading accounts, returning calls. That’s a problem, because your portfolio doesn’t exist on its own. It has to work with your income needs, your tax situation, and everything else changing around you.
Is anyone researching your portfolio?
A portfolio needs ongoing research to stay aligned with the market, not just how it looked on the day it was built.
Does your portfolio match the rest of your plan?
Your investments should move in step with your income needs, your taxes, and your goals, not sit in a separate lane.
Is one person trying to be an expert in everything?
Retirement income, tax strategy, estate planning, investments. That's four specialties, and we don't ask one advisor to cover all of them alone.
A full team, working together on your plan.
Financial research
Research deserves focused, full-time attention. That's why we have an investment committee with a Chief Investment Officer, whose full-time job is to manage money.
Steve Latham, CFA, CFP®, our Chief Investment Officer, is a Chartered Financial Analyst and holds a Master's degree from Creighton University in Investment Management and Financial Analysis. We believe a full-time investment professional manages strategy more effectively than an advisor researching part-time.
Ty Bernicke, CFP®, our President & CEO, also sits on the committee. His research has been published or cited in outlets including Forbes, MarketWatch, and the Journal of Financial Planning, since 2005.
Disclosure
Ty Bernicke is a paying member of the Forbes Finance Council, which provides the opportunity to contribute articles to Forbes.
Client coordination
We also keep a comprehensive, up-to-date overview of each client's financial situation, reviewed at least annually. That means a full net worth review covering income, charitable goals, contributions, distributions, health insurance needs, and more. It's what lets us coordinate your investment strategy with everything else moving in your financial life.
Team approach
Investment management works best as a team effort. Expecting one advisor to be an expert in retirement planning, investment strategy, tax minimization, and estate planning isn't realistic. That's why we have professionals who specialize in different areas, working together on your plan.
Hear from people who've been through the process.
The Google reviews above may be from current or former clients, or individuals who are not clients of Bernicke Wealth Management (“BWM”). Reviewers have not been compensated or received any material incentives for providing a review. No material conflicts of interest have been identified within these reviews. BWM’s Eau Claire office has maintained an “Excellent” 5-star rating on Google since October 16, 2021.
Reviews Disclosure
Whether you're approaching retirement, growing your wealth, or running a business, we have a team built for it.
If you're within five years of retirement
The years before retirement are when the biggest decisions get made: when to retire, when to claim Social Security, and how to turn your savings into income.
If you're already retired
Retirement brings its own set of decisions: drawing income in the right order, managing taxes year to year, and adjusting as life changes. We’re with you for all of it.
If you have $1 million or more in investable assets
Our Private Client Group brings a dedicated team of advisors, paraplanners, and specialists across four coordinated planning areas, including investment management.
If you're a business owner
From tax strategy to succession planning and preparing your business for a future sale or transition, we build a plan around your goals as an owner.
Questions people ask us about investment management.
Your accounts are held at Charles Schwab. We manage the investments within them.
Investment decisions go through our investment committee, led by our full-time Chief Investment Officer. Your portfolio isn't managed by one advisor working alone between meetings, it's reviewed and adjusted by the same team responsible for the research behind it.
After your first call, we walk through your full financial picture, build your plan, and cover our recommendations together over a few more meetings.
Yes. We review what you're currently holding, and where it makes sense, we bring those accounts into your coordinated plan. Some accounts, like certain retirement accounts or annuities, can't be moved to Schwab, but we can still advise on those within the scope of our practice.
Yes. Business ownership adds considerations personal investing alone doesn't, business valuation, succession planning, and how business and personal assets interact. We start by understanding your business alongside your personal financial picture, not as two separate conversations.
Ty Bernicke, CFP®, named a 2026 Forbes Best-In-State Wealth Advisor (awarded April 7, 2026; data as of June 30, 2025). BWM did not pay for this award but paid a fee to license the logo. Award Disclosure
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