Based in Wisconsin and Minnesota, working with clients across the country.
At Bernicke Wealth Management, our client base includes pre-retirees, retirees, and successful business owners. Every client works with a team of professionals who coordinate retirement planning, tax minimization, investment management, and estate planning into one plan.
Whether you prefer to meet with us in person or virtually, we’re registered to serve clients in 34 states, so location isn’t what determines fit.
Within five years of retirement, this is where the big decisions get made
We work with people over 50 who are within five years of retirement. This is the window when Social Security timing, health insurance before Medicare, and retirement income all need to get worked out.
Already retired, the work shifts from planning to managing
We help people who are already retired coordinate Social Security, retirement account withdrawals, and investment income into one plan and adjust it as things change.
Running a business adds complexity standard planning doesn't cover
We work with successful business owners on everything from day-to-day tax and investment decisions to an eventual sale or transition, whenever that time comes.
$1 million or more? You get a dedicated team.
A coordinated plan across investing, retirement, tax, and estate planning, backed by a dedicated team of advisors, paraplanners, and specialists.
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
Questions people ask before their first call.
We work best with people over 50 who are within five years of retirement or already retired, with $500,000 or more in investable assets, along with business owners. Many of our clients come to us after working with a previous advisor or managing things on their own. If any of that sounds like you, the best way to find out if we're the right fit is a quick call.
That's common, and it's one of the best reasons to get a second opinion. A financial advisor typically focuses on managing your investments. A CPA typically focuses on your current year's taxes. What often gets missed is the gap in between: future income planning, tax strategy, and health insurance costs before Medicare, among others. That's exactly what we look for: opportunities you may be missing in your current plan.
No. Some clients live close to an office and meet in person, some are snowbirds who meet virtually part of the year, and some work with us fully virtually and never visit an office. We work with clients in 30 states across the country, so where you live doesn’t determine whether we’re a good fit.
Client states as of 10/9/2026. Disclosure Information
We were founded in 1985, originally as Bernicke Financial Planning. We've been an independent, family-led firm for over 40 years.
Yes, as registered investment advisors we are subject to a fiduciary duty when providing investment advice to our clients. This duty requires us to act in our clients’ best interests and to appropriately address conflicts of interest.
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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