One plan for your taxes, now and years down the road.
Taxes are one of the largest expenses you'll face, in your working years and in retirement.
Too often, we see people taking an inefficient approach to their tax situation. It’s common to have a separate investment professional and a separate CPA who don’t coordinate their efforts, which leads to a tax plan that isn’t as effective as it could be.
Do your CPA and advisor coordinate?
Your CPA sees this year's return. Your advisor sees your investments. Tax planning needs both in the same conversation.
Is your plan looking past this year?
Tax minimization takes planning years into the future, not just the current tax year. Social Security, pensions, Roth conversions, and pre-Medicare health insurance are all part of that plan.
Is one advisor expected to know it all?
Taxes, estate planning, investment management, and retirement planning each take real specialization. That's a lot to ask of one person.
A team approach to your tax picture, not a once-a-year conversation.
Working with one firm that employs specialists across every major area of financial planning means your tax strategy is coordinated with the rest of your plan, not handled in isolation.
Our advisors develop and monitor tax-sensitive strategies designed to manage your current and future tax picture, supported by in-house tax planning and CFP® professionals.
Working with us means a coordinated approach: managing where you stand today while working toward your future goals, not just filing a return once a year.
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 managing income in retirement, growing your wealth, or running a business, your tax strategy needs to keep up.
If you're within five years of retirement
We work with individuals over 50 with $500,000 or more in investable assets, and tax strategy is one of the coordinated planning areas we cover.
If you're already retired
In retirement, taxes shift to how and when you draw income, from which accounts you pull from to planning ahead of required minimum distributions.
If you have $1 million or more in investable assets
Our Private Client Group brings a dedicated team of advisors and specialists across four coordinated planning areas, including tax minimization.
If you're a business owner
Business ownership brings its own tax questions, especially as you plan for a future sale or transition. We look at your business and personal tax picture together, not as two separate plans.
Questions people ask us about tax minimization.
We coordinate with your CPA rather than replace them. Our team develops and monitors your tax strategy year-round, then works with your CPA at filing time so nothing falls through the cracks between the two of you.
Ongoing. Tax minimization only works if it's planned for throughout the year, not put together at filing time. We review your tax situation as part of your regular plan, not as a separate, once-a-year conversation.
It depends on your situation, but common areas include Social Security and pension timing, traditional and Roth IRA strategy, and health insurance planning before Medicare eligibility at 65. We look at how these interact with each other, not just one at a time.
Yes. Roth conversion analysis is one of the core parts of our tax minimization work, looking at whether and when converting makes sense based on your income, tax bracket, and timeline.
Tax minimization starts the moment you become a client. There's no separate waiting period or extra threshold. It's built into your plan from day one.
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
Schedule a Quick
15-Minute Call
"*" indicates required fields
