Berno Financial Management, Inc.
Since 1993, Berno Financial Management has helped proactive families and individuals in the greater Cincinnati area make the most of their money. As an independent, fee-only financial planner, we offer unbiased advice that focuses on clients' complete financial picture, not just their investments.
Our wealth management services are based on each client's needs across all the areas of their finances, including:
*Retirement: Are you saving enough for retirement? Can you afford to retire? How much can you spend and not outlive your money?
*Investments: Are your investment return goals and risk tolerance in sync?
*Cash flow: How much are you saving, and is it enough?
*Income taxes: Are you taking advantage of strategies to minimize your taxes? Are your investment portfolio and withdrawal strategy tax efficient?
*Education funding: What are your goals? Are you saving enough? What is the best way to save and invest?
Insurance: What types of insurance do you need and how much?
*Estate planning: Who will make important financial decisions on your behalf if you become unable to? Do you have a living will? Who will inherit your money?
We understand that each of our clients is in a different stage of life, and we will meet them wherever they are. We help achieve this by addressing their current goals while we proactively help them prepare for whatever lies ahead.