Bernicke Wealth Management

06/21/2026

Happy Father’s Day! Wishing you a day filled with family, appreciation, and time spent with those who matter most.

06/17/2026

Most people think the Social Security decision comes down to one question: will I get more money if I wait?

Ty Bernicke, CFP®, President and CEO, shares an example of how a couple claiming at 62 could trigger over $95,000 in unnecessary ACA health insurance premiums before Medicare even starts.

📊 The hidden trade-offs between claiming at 62 vs. 70, including the impact on health insurance, taxes, and your portfolio

📊 What happens to your spouse's income after you're gone, and why the timing of each person's claim matters

📊 A hybrid approach many couples never consider that may offer the best of both strategies

Watch the full video below.

Schedule a free 15-min call: ➡️https://ty-bernicke.showrunner.one/r...

06/12/2026

The S&P 500 looks expensive right now, and a lot of people are wondering if it's too high.

Steve Latham, CFA, CFP®, Chief Investment Officer, explains why today's valuations may make more sense than they appear in this month's market update.

📊 Why comparing today's S&P 500 to decades of history may not tell the whole story
📊 How the biggest companies in the index have shifted from energy and industrials to AI and tech
📊 Why recent history may be a better benchmark than looking back 30 years

Watch the full video below.

06/10/2026

Congratulations to Mitchell VanDenMeerendonk, Wealth Manager, CFP®, MSF, TPCP®, for earning the Tax Planning Certified Professional designation from The American College of Financial Services. Mitch is a Wealth Manager in our De Pere, Wis. office.

06/10/2026

If you know the numbers work but still can't bring yourself to retire, you're not alone.

Ty Bernicke, CFP®, President and CEO, shares that after 28 years of these conversations, most retirement fears fall into two categories: financial and psychological. And once you understand which one is really holding you back, everything starts to shift.

📊 Why the fear of the unknown, boredom, and making an irreversible mistake keep people at their desks longer than they need to be
📊 Two common mistakes people make when calculating whether they have enough, including overestimating what retirement actually costs
📊 How organizing your investment buckets correctly before retirement could potentially save you over $32,000 a year in ACA health insurance premiums

Watch the full video below.

Schedule a free 15-min call: ➡️https://ty-bernicke.showrunner.one/r/faeaa990a85aMany people look forward to retirement for years, yet when the time comes, th...

06/08/2026

Last week, our Minnesota teams and clients cheered on the Minnesota Twins in style, taking in the game from the exclusive Thrivent Club. Great company, great views, and an even better night at the ballpark!

06/03/2026

Please join us in welcoming Liam Rudolph to Bernicke Wealth Management!

Liam joins Bernicke Wealth Management as our new Operations Associate after graduating from the University of Minnesota with a B.S. in Mathematics, an emphasis in Actuarial Science, and minors in Statistics and Insurance.

06/03/2026

If you've been told to convert your IRA to a Roth as fast as possible, this might be worth a watch.

Ty Bernicke, CFP®, President and CEO, shares an example of how a couple could pay over $95,000 more in ACA health insurance premiums than necessary, simply by following the old Roth conversion playbook.

📊 How the One Big Beautiful Bill Act changed the ACA subsidy cliff and what it means for early retirees
📊 Why your future tax rate (not today's) should drive your conversion decision
📊 A two-step approach using examples to help you decide what makes sense for your situation

Watch the full video below.

Schedule a free 15-min call: ➡️https://bernicke.funnelyt.com/r/qYHl4h4tQS5XesTcrCQd/eyJ2IjoiamlOTVFPRmFrZnMiLCJ1IjoiaHR0cHM6Ly93d3cuYmVybmlja2UuY29tL2xwLzE1L...

05/29/2026

During May, our Employee Giving Program, “Charity Fridays,” proudly supported Feed My People Food Bank.

For more than 40 years, Feed My People has helped fight hunger across West Central Wisconsin by rescuing and distributing nutritious food to local pantries, shelters, meal programs, and families in need. Their mission is rooted in the belief that no one should go hungry and that stronger communities start with access to healthy food.

Learn more: https://www.fmpfoodbank.org/

05/28/2026

We are absolutely thrilled to welcome Sadie Bernicke to the team this summer as an Operations Intern! 👋Sadie is currently pursuing a degree in Entrepreneurial Management from the University of Minnesota.