Since 1993, Berno Financial Management, Inc., has helped proactive individuals and their families make the most of their personal finances. As an independent, fee-only financial services firm, we offer unbiased advice as part of our comprehensive personal financial planning and investment management services. We concentrate on developing close personal relationships with our clients while also providing a level of knowledge and expertise that exceeds what you’d find at a larger firm. We believe that financial planning involves more than just investment management. We take the time to learn about your unique needs and goals, as well as your current financial situation. We then use that information to develop a “Total Portfolio Approach” that considers all your different assets together. Our advice is academically based and grounded in the belief that a passive, low-cost, tax-efficient, multi-asset class investment style is the best way to achieve sustainable returns over the long-term. Our team is led by Bruce J. Berno, a CERTIFIED FINANCIAL PLANNER™ professional and a member of the National Association of Personal Financial Advisors (NAPFA), the industry’s most selective professional association.