Investment Management Services

Berger Wealth Management believes in a passive, long-term approach to investing. Studies have shown that active managers cannot consistently beat the market. More of your money works for you when using a passive approach – no commissions, less trade costs, lower fund expenses.

What’s included……

  • An Investment Policy Statement unique to your situation and goals…. This will be a “work-in-progress” as your needs and goals change.
  • A diversified target portfolio based on your risk tolerance and time-frame for investing
  • Quarterly monitoring of your portfolio
  • Rebalancing of your portfolio based on preset tolerance levels…. Trade costs and possible capital gains and/or losses are always taken into consideration

I design my model portfolios using DFA (Dimensional Fund Advisors) mutual funds. This is an excellent, low-cost family of funds. The majority of my clients are invested in the DFA funds. However, if a client wishes to use other funds, I will be happy to evaluate them and discuss it.

Please visit the DFA page for more information or you can also visit their website at

I start with a model portfolio and then tailor it based on the client’s needs. I take advantage of tax-managed fund choices whenever possible to make the portfolio more tax efficient. I also use some Exchange Traded Funds (ETFs) if it makes sense for the situation.

I use Charles Schwab & Co as the custodian for my clients’ accounts. The client always has total access to his/her accounts. I also practice non-discretionary investment management. This means that NO trades can be executed without prior approval from the client.

Investment Management…..

  • Is a critical part in determining the success of a client’s overall financial plan
  • Is billed as a percentage of assets under management (AUM)
  • Can be a stand-alone service

Financial Planning/Wealth Management

Berger Wealth Management provides comprehensive financial planning. This consists of Investment Management along with the following areas:

Risk Management/Insurance Planning – Even the best financial strategy can be derailed by death, disability, or other catastrophic events. We will work together to identify these risks and make sure your hard-earned assets are protected.

Estate Planning – Everything you’ve worked so hard to accumulate could become a nightmare very quickly if your estate planning documents are not in order. I will work with you and your estate attorney to ensure your wealth transfer wishes are met.

Tax Planning – Who isn’t looking for a way to reduce taxes? Almost every aspect of financial planning provides opportunities to minimize taxes. I provide tax projections and can also review your tax returns to identify other possible opportunities.

Retirement Planning – The ultimate question is usually “Will I be able to retire when I want?” Whether you are just starting your career, in the middle of your career, or nearing retirement, we can work together to make sure the strategy is sound. How much should you save in order to achieve your goals? What are the chances your money will last through your lifetime?

These are the major areas that are typically included in financial planning. However, depending on the client, other areas may be covered as well. Pretty much anything that impacts your financial life is ‘in play’ when it comes to planning.

This service……

  • Is billed as a percentage of assets under management (AUM)
  • Is an ongoing, collaborative relationship built on trust between the client and advisor

Financial Planning for Non-Traditional Couples

Did you know that it can cost a non-traditional couple hundreds of thousands of dollars more over their lifetime than a traditional married couple?!

There are many factors and situations that make financial planning for non-traditional couples different than for legally married spouses. Non-traditional couples include same-sex couples as well as heterosexual couples that choose not to marry.

The areas of financial planning that can be different include:

  • Wealth transfer
  • Taxation
  • Retirement planning
  • Estate planning

Post-Supreme Court Ruling: What Now?

In a landmark opinion, on June 26, 2015, the Supreme Court ruled that states could not ban same-sex marriage. So what does that mean for non-traditional couples? For one thing, now couples can choose to marry or not regardless of whether they are heterosexual or same-sex.

The same issues and potential concerns can still surface, though, for those who choose not to marry. This is why it’s so important to have a plan in place. Never assume that your assets will end up going to your partner just because that’s the way you want it to be.

What does the ADPA® designation mean?
  • The ADPA® designation is offered by the College for Financial Planning and is the only designation specifically geared toward domestic partner relationships.
  • The ADPA® program provides advisors with a thorough education focusing exclusively on planning needs for domestic partnerships. The program teaches how to assess a client’s situation and needs – and then evaluate financial options and make recommendations.
  • Advisors holding the ADPA® designation must also hold one of the following – CFP®, AAMS®, or CRPC® designations.
  • Individuals credentialed by the College for Financial Planning are required to adhere to a Code of Ethics which includes following Standards of Professional Conduct – these are Integrity, Objectivity, Competency, Confidentiality, and Professionalism.
  • Advisors holding this designation must complete 16 hours of continuing education every two year period