You can achieve financial freedom.

At Bernard Wealth, nestled in the heart of Royal Oak, Michigan, we are your dedicated partner in financial planning. Committed to your success, we navigate the intricate world of finance with precision and care, ensuring a path toward lasting prosperity.

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Leveraging our comprehensive expertise and in-depth understanding of market dynamics, we deliver sound investment strategies designed to secure your financial future. As your trusted partner, our goal is to ensure that every decision we guide you towards is informed, strategic, and aligned with your long-term financial aspirations.

Our focus is on developing customized solutions and delivering insightful investment guidance.

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Wealth

Combines investment, tax, & estate planning with financial advice.

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Benefits

Retirement plans, 401(k)s, profit sharing, and other benefits.

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Insurance

Term life, permanent life, key person, and buy-sell agreements.

our strategic PROCESS

Guidance for navigating your financial future.

We create a plan to meet client goals, captured in an Investment Policy Statement (IPS) for buy/sell decisions.

01

consult

We start with a meeting to understand your financial goals, both immediate and future. This discussion lays the foundation for a personalized financial strategy.

02

plan

From our conversation, we craft an IPS, outlining your financial targets and investment parameters. This document guides all subsequent investment decisions, ensuring they align with your objectives.

03

grow

Leveraging the IPS, we manage your portfolio, making informed decisions to steer your investments towards your stated goals. Periodic reviews allow us to adapt the strategy, keeping your financial growth on track.

OUR philosophy

Building the pillars of prosperity.

Building the pillars of prosperity.

At Bernard Wealth, our investment philosophy is grounded in a meticulous blend of thorough market research and a nuanced comprehension of each client's financial ambitions. By actively studying market trends and employing sophisticated quantitative analyses, we expertly pinpoint stock opportunities that align with our clients' visions. This diligent approach, combined with a regular reassessment of financial goals and market assumptions, ensures our strategies remain both relevant and robust.

About Us
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Personalized strategies tailored to individual financial goals.

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Precise investment choices driven by a deep understanding of client finances.

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Informed buy/sell decisions based on strict market research.

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Regularly updated plans ensuring strategies evolve with clients' needs.

Ready to elevate your financial well-being?

You deserve the best advice.

get to know us

Here are some answers to our most frequently asked questions.

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  • Where are assets held?

    Client holdings are generally custodied in investment accounts at Charles Schwab & Co., Inc.  Bernard Wealth Management never takes possession of client assets.

  • Do you receive commissions for your services?

    No. We never receive commissions or any other form of remuneration as a result of our recommending a particular product or service. No advisor can be entirely objective if the advisor’s recommendations are in any way tied to his income. Our sole source of revenue is investment management fees, which are generally based on a percentage of assets under management.

  • Are investment returns guaranteed?

    No.  Investing involves risk of loss, which clients should be prepared to bear.

  • Do you require a fee for taking on a wealth management relationship?

    Our stated minimum is $250,000 of investible assets.  However, we are always happy to meet to discuss your needs, and there is no fee for an initial consultation.

  • Are taxes considered when making investment decisions?

    Yes. We regularly review accounts for realized gains and losses, and will attempt to take losses to minimize taxes. However, unless clients instruct otherwise, we will sell positions for fundamental or valuation reasons, rather than holding to avoid taxes.

OUR NEWS

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Great service is more than just sound advice.

Our priority is to provide thorough and customized guidance to address your unique circumstances with the careful and expert advice they deserve.

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