Bernardo Wealth Planning provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, estate planning, insurance, and tax planning. Financial planning was provided to 51–100 clients last fiscal year. The firm advises 8 private funds.
Bernardo Wealth Planning reports 801 clients. They include 495 individual clients, 289 high-net-worth individuals, and 9 corporations and other businesses. Of its assets, 100.0% ($866M across 2,194 accounts) are managed with discretion. It advised 25 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 62% | 14% |
| High-net-worth individuals | 36% | 76% |
| Pooled investment vehicles | <1% | 9% |
| Corporations and other businesses | 1% | 1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 495 | $118M | 13.7% | $239K |
| High-net-worth individuals | 289 | $662M | 76.4% | $2.29M |
| Pooled investment vehicles | 8 | $76.5M | 8.8% | $9.57M |
| Corporations and other businesses | 9 | $9.27M | 1.1% | $1.03M |
| Total | 801 | $866M | 100% | $1.08M |
- Clients
- 495
- Regulatory AUM
- $118M
- AUM share
- 13.7%
- Avg. per client
- $239K
- Clients
- 289
- Regulatory AUM
- $662M
- AUM share
- 76.4%
- Avg. per client
- $2.29M
- Clients
- 8
- Regulatory AUM
- $76.5M
- AUM share
- 8.8%
- Avg. per client
- $9.57M
- Clients
- 9
- Regulatory AUM
- $9.27M
- AUM share
- 1.1%
- Avg. per client
- $1.03M
Total
- Clients
- 801
- Regulatory AUM
- $866M
- AUM share
- 100%
- Avg. per client
- $1.08M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 25
- Private funds advised
- 8
- Financial planning clients last fiscal year
- 51–100
Bernardo Wealth Planning charges up to 2.00% a year for its Asset Management. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Retirement Plan Consulting
- For plan sponsors, fees for consulting on retirement plan options vary from 0.10% to 1.00% per annum of plan assets; negotiable.
Nicholas Bernardo owns 75% or more of Bernardo Wealth Planning. The leadership team of Bernardo Wealth Planning includes Chief Operating Officer Tiffany Benfield and Chief Compliance Officer Ashleigh Swayze. It has 14 employees, 7 of them in advisory roles.
Leadership
- Tiffany BenfieldChief Operating Officer
- Ashleigh SwayzeChief Compliance Officer
- Nicholas BernardoManaging Partner
Investment adviser representatives
11 representatives listed in the SEC register as of 9 October 2026.
Staff
- 14 employees
- 7 in advisory functions
- 7 state-registered reps
- 4 insurance agents
- 7 soliciting firms
- Owns 75% or more of Bernardo Wealth Planning, LLC
Nicholas Bernardo
Control person · since May 2017
Bernardo Wealth Planning’s regulatory assets grew 2.5× from $352M (April 2021) to $866M (March 2026); clients rose from 451 to 801 and employees from 9 to 14.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $866M | 801 | 14 | 1 |
| June 2025 | $756M | 964 | 10 | 1 |
| May 2024 | $610M | 703 | 10 | 1 |
| July 2023 | $500M | 578 | 10 | 1 |
| April 2022 | $503M | 557 | 11 | 1 |
| April 2021 | $352M | 451 | 9 | 1 |
Besides its headquarters, Bernardo Wealth Planning has 0 offices, with 1 listed address in Pennsylvania.
Pennsylvania · 1 listed address
- 272 Ruth Road, HarleysvilleHQ
Other business names
Bernardo Wealth Planning has reported 1 other business name to the SEC.
- Wellfull
Contact and registration details
- Legal name
- Bernardo Wealth Planning, LLC
- Headquarters
- 272 Ruth Road, Harleysville, PA 19438
- Website
- bernardowealthplanning.com
- Phone
- 267-500-1080
- @bernardo-wealth-planning
- SEC file
- 801-110661
- Founded
- 2017
- Structure
- Pennsylvania LLC
- Fiscal year end
- December
Bernardo Wealth Planning uses Charles Schwab ($790M) as custodian for its separately managed accounts. Bernardo Wealth Planning has custody of $248M in client assets for 289 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $790M100%
At year end, Bernardo Wealth Planning’s separately managed accounts were mostly in funds (82%). Its reported 13F holdings for the quarter ended 30 June 2026 total $585M across 139 positions; the largest are iShares TR (11.1%), Vanguard World FD (7.4%) and Vanguard Scottsdale Fds (6.2%).
What the accounts hold
- Stocks8%
- Funds82%
- Registered funds68%
- Pooled vehicles14%
- Bonds1%
- Cash9%
Reported 13F holdings
- $585M
- Reported 13F value
- 139
- Positions
- 54.9%
- In the 10 largest
- +14.6%
- Value vs. prior quarter
- iShares TR · Core S&P500 ETF11.1%
- Vanguard World FD · Mega Grwth Ind7.4%
- Vanguard Scottsdale Fds · Vng Rus1000val6.2%
- Vanguard World FD · Mega Cap Val ETF5.2%
- Capital Grp Fixed Incm ETF T · Core Plus Incm4.7%
- iShares TR · Core S&P Ttl Stk4.6%
- Vanguard Scottsdale Fds · Vng Rus1000grw4.6%
- Dimensional ETF Trust · US Equi Mark ETF4.2%
- Invesco Exchange Traded FD T · S&P500 Eql Wgt3.6%
- Vanguard Whitehall Fds · High Div Yld3.2%
Together, the ten largest are 54.9% of reported value.
How many clients does Bernardo Wealth Planning have?
Bernardo Wealth Planning has 801 clients and manages $866 million for them, as of March 2026. They include 495 individual clients, 289 high-net-worth individuals, and 9 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 11 March 2026
What services does Bernardo Wealth Planning offer?
Bernardo Wealth Planning provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Bernardo Wealth Planning charge?
Bernardo Wealth Planning charges up to 2.00% a year for its Asset Management. The fee is billed in advance and is negotiable.
Source: WELLFULL 2A, filed 11 March 2026
Which custodians does Bernardo Wealth Planning use?
Bernardo Wealth Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $790M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 March 2026
How many financial advisors does Bernardo Wealth Planning have?
Bernardo Wealth Planning has 7 investment adviser representatives registered with state securities authorities, out of 14 employees, and 7 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 4 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Bernardo Wealth Planning invest in?
At the end of its last fiscal year, Bernardo Wealth Planning’s separately managed accounts held 68% registered funds (mutual funds, ETFs, BDCs), 14% pooled vehicles (private funds and similar), 9% cash and equivalents, 8% exchange-traded equities and 1% state and local bonds. It advises 8 private funds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Bernardo Wealth Planning?
Bernardo Wealth Planning’s direct owner is Nicholas Bernardo (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 11 March 2026
How does Bernardo Wealth Planning get paid?
Bernardo Wealth Planning is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Bernardo Wealth Planning?
Bernardo Wealth Planning’s main office is at 272 Ruth Road, Harleysville, PA 19438. Its phone number is 267-500-1080. Its website is bernardowealthplanning.com.