• 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.

  • 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.