Financial achievements empower dreams—comfortable retirement, new home, lasting legacy. Together, we collaborate to make it happen, transforming aspirations into reality.
- Our Mission
The core reason behind our wealth management services is to create a solid foundation for your financial future.
By understanding your situation, goals, and experience, we tailor investments for your wealth goals.
We conduct annual reviews to update your financial plan and address related matters like retirement planning, insurance, tax-efficiency etc.
- Our Capabilities
Efficient Execution & Seize Opportunities
Portfolio Management
With an expansive investment opportunity set encompassing stocks, bonds, real estate, and commodities, our commitment to effective diversification extends beyond capital allocation across diverse asset classes. We also meticulously diversify across various economic and market risk factors, ensuring a resilient and well-rounded investment approach.
Asset Allocation
With a vigilant eye, we continuously monitor the relative performance and valuation of diverse asset classes amid the ever-changing global economic landscape. Our approach involves making dynamic allocation decisions, informed by perceived opportunities and risks across various investment domains.
Risk Management
As a part of our holistic approach, we place a strong emphasis on conducting thorough risk assessments and implementing effective risk mitigation strategies, which include insurance solutions and various other tactics. By diligently evaluating and addressing potential financial risks, we aim to provide you with a secure and stable financial foundation, safeguarding your wealth and future aspirations.
A career where your potential, ideas and drive matter
Beratung is seeking problem solvers, creative thinkers, engineers, and business builders like you. Embrace a world of limitless opportunities where your talents can shine, and each day brings a meaningful impact. Whether you’re an experienced professional or a recent graduate, joining Beratung can offer you a challenging and rewarding next step in your career.
Our process
Getting to Know You
Prior to formal engagement, we prioritize understanding your personal situation, financial goals, and key concerns that drive your search for financial advice. This forms the basis for a mutually agreed-upon scope of work. Please find below a comprehensive list of our capabilities.
Gaining Clarity on Your Finances
Our comprehensive planning engagements start by jointly assessing your balance sheet and cash flow. Access our secure client portal to upload documents or link your accounts electronically.
Building Your Financial Vision
We collaborate with you to prioritize your goals and assess the financial choices and risks involved in achieving them. Through close partnership, we establish a baseline projection of your future financial wealth, providing a roadmap for your success.
Analyzing Tradeoffs
We use our financial model to develop alternative scenarios, informing recommendations on taxes, insurance, and investments to align with your goals. Exploring scenarios to align recommendations.
We are here to address any questions you may have as you implement your plan. Additionally, for clients seeking an ongoing partnership, we provide comprehensive Tax & Estate planning.
Working with an Advisor
Whether you’re going through the loss of a loved one, a divorce, planning for retirement, or a career change, Beratun Financial understands the challenge of life-altering events for women. We offer an oasis of solid financial guidance for many clients in the midst of stressful life transitions.
Our highly-skilled and caring team of financial professionals pledge to be there for you with sound financial advice throughout both the ups and the downs:
- Loss of Loved One—With a mission to relieve stress, encourage healing and build a secure financial future, we assist clients with estate planning, tax planning, investments, and more after losing a loved one.
- Divorce— As a top-rated divorce financial advisory firm, we help clients with valuable information on financial issues related to divorce, including taxes, retirement plans, health insurance coverage, and more.
- Inheritance—Beratung Financial helps clients make the most impact with inherited assets through thoughtful, expert guidance to help ease that overwhelming feeling that can accompany the arrival of a large sum of money.
- Retirement—As one of the top financial advisory firms in the United States, Beratung Financial works to ensure our clients can retire confidently and on their own terms through expert wealth management.
- Career Change—Although changing careers can be rewarding, it also involves important financial decisions, and Beratung Financial helps ease the transition by providing expert financial advice.
The firm maintains a boutique feel with a personalized approach that differentiates us from many other financial advisory firms. We have a low client-to-advisor ratio, which allows us to be uniquely attentive to our clients, and give them financial peace of mind even in the midst of turbulent changes in their lives.
Our award-winning, team was founded and is led by powerful, motivated, and experienced women. We are somewhat of a unicorn in the industry, as only 9% of financial advisory firms have a female owner.
Each of us have a deeply personal reason why we were drawn to do this work. Our passion and dedication are some of the many reasons why our clients love working with us. We have effective, long-lasting relationships with our clients and a client retention rate of 98%, which is far above the industry average.
Yes and yes! We are independent, fiduciary and fee-only. We have taken a fiduciary oath to keep your interests first.
The core principles that we follow as a Fiduciary are to put you, our client’s, best interests first. Act with prudence, that is, with the skill, care, diligence, and good judgment of a professional. Do not mislead you, our client —provide conspicuous, full, and fair disclosure of all important facts. Avoid conflicts of interest and fully disclose and fairly manage.
The White House’s Council on Economic Advisors found that non-fiduciary advice costs investors an extra $17 billion per year. Being a fee-only wealth management firm means that we never receive any type of commission or kickback from an investment or insurance product. You can rest assured that if we are making a recommendation to you, it is because it is in your best interest. We are committed to you, and to helping you live your very best life!
You can view our profile on NAPFA HERE and our advisor profiles on the Fee-Only Network here:
Stacy Smith
Matt Davies
Yes! We will work in tandem with any professionals who are already providing guidance in your life. With your permission, we can exchange information and ideas with your team to optimize the advice we provide to you. Your team might include an accountant, estate planning attorney, property and casualty insurance agent, as well as other professionals such as life, disability, long-term care, and health insurance experts.
Over the last two decades, Beratung Financial has also built trusted relationships with professionals you may need along your financial journey. We are happy to be a resource for you if you need help building your team of smart and caring professionals!
No. There is no fee for your initial meeting with our Beratung Financial advisors. In this meeting, we will answer any questions you may have and help determine if we are the right advisor for you.
