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The fee is billed in advance and is negotiable.","source":"WELLFULL 2A, filed 11 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Bernardo Wealth Planning use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Bernardo Wealth Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Bernardo Wealth Planning invest in?","answer":"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. 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