Bernard Wealth Management Corp.

Bernard Wealth Management Corp., established in October 2011, is a Michigan-based firm owned by Kenneth M. Bernard and Andrew P. Niedermeier. The firm offers personalized Portfolio Management services tailored to clients' financial goals, risk tolerance, and unique circumstances. Investment strategies include equity and fixed income investments, with model portfolios of securities such as stocks, mutual funds, and ETFs. The firm also provides Financial Planning services on a fixed fee basis. For Portfolio Management services, fees are charged quarterly based on the account value, with negotiable rates starting at 1.00% for Equity/Growth accounts. The firm does not engage in performance-based fees and acts as a fiduciary, placing clients' interests first. Bernard Wealth Management uses fundamental and technical analysis for investment decisions and does not receive soft dollar benefits. The firm requires clients to maintain assets at Charles Schwab & Co., Inc., its custodian and broker. Clients receive regular account reviews, trade confirmations, and statements. The firm does not have custody of client funds but has "constructive custody" for fee deduction purposes. Clients can grant investment discretion, and the firm abstains from voting client securities. Bernard Wealth Management maintains a Business Continuity and Succession Plan to ensure uninterrupted client service.