Bruce J. Berno| CFP®
Berno Financial Management, Inc.
- Financial Planning
- Retirement Planning
- Investment Management
- Wealth Management
- Portfolio Management
- Tax Planning
- Charitable Gifting
- Estate Planning
- Asset Management
- Social Security Analysis
- Hourly Fee Consultations
- 401(k) and IRAs
Cincinnati, OH 45230-4344
Fee-Only & Fiduciary
The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.
Bruce J. Berno, CFP® is the President and Client Service Director for Berno Financial Management. He founded the firm in 1993 with the goal of providing completely independent, unbiased investment advice and comprehensive personal financial planning. He has over 25 years of experience advising clients with investment management and financial planning, and he has a specialization of working with corporate executives, self-employed individuals and professionals.
Previously, Bruce was a Personal Trust Business Development Officer with U.S. Bank. He also worked at Fifth Third Bank in Personal Trust Administration and Trust Investments, where he was a portfolio manager and research analyst. He is a former adjunct faculty member at Cincinnati State Technical and Community College. Bruce earned an MBA in Finance from Xavier University and a B.S. degree in Business Administration from Miami University. He is a CERTIFIED FINANCIAL PLANNER™ professional and a NAPFA-Registered Financial Advisor.
Bruce has been quoted in The New York Times, USA Today, Financial Advisor, In the Vanguard, Kiplinger’s Retirement Report, Bloomberg Wealth Manager, MorningstarAdvisor.com and The Cincinnati Enquirer. He also served on the Editorial Board for Tools and Techniques of Investment Planning, a professional reference book published by The National Underwriter Company. He chaired the National Association of Personal Financial Advisor’s first ever Basic Training Conference and has been a speaker at the NAPFA Core Competency Conference.
Bruce currently sits on the Finance Committee of the Society of St. Vincent DePaul of Cincinnati. He also serves the Department of Finance at Xavier University as an Executive Mentor. In the past, he served on the Board of Trustees for the Cincinnati Association for the Blind and Visually Impaired (Investment Committee Chair and Planned Giving Committee), and he continues to serve on the organization’s Finance Committee. Bruce also previously served as the class agent for the Miami University Class of 1982 Scholarship Fund. Bruce founded a charity initiative called Trees and Gratitude, which is an annual program that plants trees on non-profit organizations grounds. Bruce is a native of Mansfield, Ohio. He and his wife Karen, a Cincinnati native, live in Anderson Township and are members of Immaculate Heart of Mary Church. He and Karen have three grown children who all live in Cincinnati. He enjoys bicycling and swimming, and is interested in environmental stewardship issues.
- MBA in Finance, Xavier University, 1985
- B.S. in Business Administration, Miami University, 1982
Certificates, Designations and Licenses
- CERTIFIED FINANCIAL PLANNER™
- NAPFA-Registered Financial Advisor
Memberships and Affiliations
- Finance Committee, Society of St. Vincent DePaul
- Executive Mentor, Department of Finance, Xavier University
- Finance Committee, Cincinnati Association for the Blind and Visually Impaired
- Chairman, Anderson Township Tree Committee
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 management 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, focusing on their complete financial picture. We also coordinate our advice with other specialized advisors, such as CPAs, attorneys and insurance professionals, making referrals as needed.
We believe that financial planning involves more than just investment management. Instead, we take the time to learn about your complete current financial situation, as well as your long-term goals and needs. We then use that information to develop a comprehensive financial plan as well as an investment portfolio proposal using 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 strategy is the best way to achieve the investment returns needed to meet your goals over the long term.
Our team is led by Bruce J. Berno, a CERTIFIED FINANCIAL PLANNER™ professional. Berno Financial Management, Inc., is a member of the National Association of Personal Financial Advisors (NAPFA), the industry’s most selective professional association. We have been recognized locally and nationally as an expert financial management firm, having been included in the Top Wealth Manager’s List in Bloomberg Wealth Manager since 2001, and being named as a Five Star Wealth Manager by Five Star Professional and Cincinnati Magazine since 2010.