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A fiduciary team providing comprehensive wealth management for pre-retirees and business owners.

Wealth management that helps you live the retirement lifestyle you desire.
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Retire Early Guide

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Schedule a Quick 15-Minute Call

Holistic Wealth Management

Wealth and investment management services for individual investors and business owners over 50 who are within five years of retirement and have a minimum of $500,000 in investable assets.

Bernicke Wealth Management is an independent financial firm serving clients across Minnesota and Wisconsin, with offices in Minnetonka, Woodbury, De Pere, and Eau Claire. The wealth strategies we design for you are implemented and closely monitored to help you maintain your desired lifestyle and pursue your financial goals.

Learn About Us

See What Our Clients Say

Clients have not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

What Makes Us Different?

Bernicke Wealth Management provides comprehensive wealth management to investors who want financial confidence today and in the future.

We are an independent firm, which means we don’t offer proprietary products; instead, we take a consultative approach based on many factors unique to your situation.

Team of
Professionals
Straightforward
Fees
Simplicity
Independent
Research
Driven
Comprehensive
Wealth Management

The Bernicke Experience

One of our goals at Bernicke Wealth Management is to provide you with financial education throughout the process of working with us, starting before you even become a client. Neither you nor the wealth managers make any commitments without thoroughly discussing services, fees, and expectations. If you’re considering working with us, rest assured that you’ll come away with helpful information regardless of whether you choose to move forward with our firm.

The Initial
Consultation

The initial consultation is an exploratory meeting to collect goals, financial information and to decide whether we mutually would like to pursue additional planning opportunities. After the initial meeting, additional meetings are scheduled as needed.

Additional Plan
Design Meetings

Additional plan design meetings are used to identify an individual’s financial strengths, weaknesses, and opportunities. Stress testing financial assets against one’s goals, providing specific recommendations, and comparing one’s uniquely developed investment plan also occurs at these meetings.

Once A
Client

Once a client, ongoing communication continues. Our firm monitors your accounts and contacts you as needed when opportunities are identified. In addition, we review your plans and goals regularly or as your financial situation changes.

See Our Process

Meet the Team

Everything at our firm truly requires a team effort. As a client, you work with a team of financial professionals who strive to provide consistent communication and follow-through to help you reach your goals.

Meet the Team
Meet the Team

Bernicke Blog
youtube video
Ty Bernicke, CFP® | President & CEO

How to Structure Your Finances 1 Year Before Retirement

The year before retirement is crucial for getting your finances organized. After 40 years of helping clients retire successfully, we’ve identified six critical steps that most people overlook. In this video, we walk through our firm’s exact process for preparing clients to retire—from organizing income sources and running projections to structuring your tax buckets strategically. The difference? It could mean thousands more in annual take-home income and avoiding expensive health insurance costs before Medicare.

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Ty Bernicke, CFP® | President & CEO February 6, 2026
market update
Ty Bernicke, CFP® | President & CEO

Wall Street Wrong Again? | January 2026 Market Update

Will 2026 feel different for consumers? In this December 2025 market update, Chief Investment Officer Steve Latham, CFA, CFP®, talks through what we’re seeing in inflation, interest rates, and day‑to‑day affordability, and what that could mean for you and your family in the year ahead. Steve walks through how spending on goods and services is changing, why some households are feeling more pressure than others, and how remaining savings may continue to support the economy.

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Ty Bernicke, CFP® | President & CEO January 22, 2026
youtube video
Ty Bernicke, CFP® | President & CEO

The 3 Biggest Tax Mistakes to Avoid When Retiring Before 60

Are you planning to retire before 60? There are three critical tax mistakes that could cost you hundreds of thousands of dollars—and most people don’t discover them until it’s too late. From mishandling Affordable Care Act insurance to pulling money from the wrong retirement accounts at the wrong time, these errors can devastate your retirement income. I break down each mistake and show how proper asset location alone can mean the difference between having $400,000 more in tax-free accounts versus taxable accounts over just ten years.

Read More »
Ty Bernicke, CFP® | President & CEO December 31, 2025
More Blog Posts

Team of Professionals

Each client has a core team of professionals working on their behalf. Your core team may also lean on the knowledge of other in-house professionals, outside CPAs, attorneys, and others as needed.

Meet Our Team

Straightforward Fees

We strive to make our advisory fees easy to understand and transparent. Before becoming a client, we do an analysis that helps you understand what you are presently paying and compare it to what you would pay working with our firm. If you don’t currently understand what you are paying, you may find this process refreshing.

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Simplicity

Imagine having all of your assets, liabilities, and income summarized in one location. Our advisors help you maintain this data over time and develop appropriate strategies for each phase of your life.

Our Locations

Independent

We are not employed by a large corporation that has various products that we are encouraged to sell. Instead, we act in a fiduciary capacity for our clients, meaning we act in your best interest.

Research Driven

President Ty Bernicke’s research on investment management and financial planning has been recognized or published in multiple national publications, including Forbes, The Wall Street Journal, and The New York Times. Our wealth managers use Ty’s ongoing pursuit of financial research to help clients maintain their desired lifestyle while pursuing their financial goals. Ty is a member of the Forbes Finance Council and has also been recognized as the Best-In-State Wealth Advisor by Forbes eight years in a row.

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Comprehensive Wealth Management

Your financial overview summarizes your assets, income sources, goals, and other pertinent financial information, which helps your advisor and our internal team develop a plan that we help you implement upon your approval. The core areas that we address for your plan include Investment Management, Tax Minimization, Retirement Income Planning, Estate Planning, and Risk Management.

Learn More

Learn why you may be able to retire earlier than you think.

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Learn why you may be able to retire earlier than you think.

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