Retirement Planning for Families with Over $1 Million in Investments
Independent wealth management for pre-retirees and retirees in Minnetonka and the Twin Cities Metro.
- Zero commitment
- Get insight into your plan
- See if we're the right fit
If You Have $1 Million+ Saved, You're Probably Wondering...
Can I Actually Afford to Retire?
You've saved $1 million, maybe even $2-3 million, but every calculator gives different answers. You need clarity, not more confusion.
When Should I Claim Social Security?
The wrong decision could cost you over $100,000 in lifetime benefits. We'll help you find your optimal claiming strategy.
Am I Paying Too Much in Taxes?
Between 401(k), IRA, and Social Security, poor planning could cost tens of thousands. Strategic Roth conversions and withdrawal sequencing may help.
What About Healthcare Before Medicare?
If you retire before 65, bridging the healthcare gap can be one of your biggest expenses. ACA marketplace, COBRA, MNsure—navigating your options feels overwhelming and expensive.
An Experienced Wealth Management Firm with a National Reputation
40
Years serving families in the Midwest
900+
Current families being guided through retirement
9x
Ty Bernicke, Forbes Best-In-State Wealth Advisor (2018-2026)
97%
Client retention rate
Award Disclosure
Forbes Best-In-State Wealth Advisors ranking developed by SHOOK Research, LLC. Awarded April 7, 2026 based on data as of June 30, 2025. Neither SHOOK Research nor Forbes receives compensation for placement on the rankings. Rankings are not indicative of future performance or representative of any one client’s experience.
Here's Your Next Step
Quick 15-Minute Call
We discuss your retirement goals and timeline. No sales pitch, just an honest conversation.
Get Immediate Info
Get a sense of where you stand, what questions to be asking, and whether there may be gaps worth exploring.
Decide If You're a Fit
If it makes sense to work together, great. If not, you still gained valuable insights.
See What People Are Saying
Hear from people who've been through the process
Review Disclosure
The Google reviews above may be from current or former clients, or individuals who are not clients of Bernicke Wealth Management (“BWM”). Reviews have not been verified or edited by BWM and do not reflect the views of the firm or its advisors. Reviewers have not been compensated or received any material incentives for providing a review. BWM has maintained an “Excellent” 5-star rating on Google since January 13, 2025. Ratings are subject to change and are not indicative of future investment performance or success. No material conflicts of interest have been identified within these reviews.
Ready to Get Answers About Your Retirement Plan?
Schedule a free 15-minute call. No obligation. No pressure. Just guidance.
What to Expect: This is a genuine conversation with our team, not a sales pitch. If there’s a fit, we’ll talk about what working together could look like — no pressure either way.