Beratung Advisors

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09/02/2026

Could you swim for twelve hours without once touching the ground?

That is the rule at the Three Rivers Marathon Swim - 3RMS

No touching the bottom to rest.
No holding onto a boat.
If you stop swimming, you tread water.

A cap and a swimsuit is all you are allowed to wear.

This is the ninth year Beratung Advisors has sponsored the race, and our founder Greg Furer captains the safety boat.

The distance is 30 kilometers (18.6 miles) through all three of Pittsburgh’s rivers.

10km in the Allegheny.
10km in the Monongahela.
10km in the Ohio.

The fast ones finish in about seven and a half hours.

The cutoff is twelve.

The current was working against them this year, from the north end of Brunot Island in the Ohio all the way out to the Hot Metal Bridge in the Mon.

Seven swimmers started. Three finished all 30 kilometers.

Stephen Rouch, 8 hours 35 minutes.
Peter Shauger, 10 hours 24 minutes.
Amy Frick, 10 hours 46 minutes, on her first 3RMS!

Stephen and Peter each just completed their third 3RMS!

They join Judy Caves and Christopher Graefe as the only four swimmers who have ever done it three times.

Norm Albert, Jeannie Zappe, and Eric Schall each made 20 kilometers.
Pantea Tantanella made 10km.

Swimming 5km in open water is a serious accomplishment. 5km in current, in a working river, is something almost nobody reading this could do on their best day.

Every swimmer out there did something incredible, whether they touched the finish or not.

Darren Miller built this race and has held the entry cost flat since 2013 so more of the money goes where it belongs. Tens of thousands of dollars have gone to the Forever Fund at UPMC Children’s Hospital of Pittsburgh, which helps local families cover the cost of infant cardiothoracic surgery.

Big dreams take big teams!

Judy and Norm Caves opened their home again and fed everybody at the race banquet. Corey Berkey ran an es**rt boat for his third year.

Pittsburgh River Rescue and Pittsburgh Police had eyes on the water all day in case anything went wrong.

Greg was not out there alone either. Scott Steiner, CFP®, Christopher Dulovich, CFP®, AWMA®, and Michael Sullivan, CFP® all gave up their Saturday to live our core value of contagious generosity.

The best part of the day is taking the swimmers out to the starting line before sunrise and pulling each one out of the water when their day is finished.

In between you get to hear where they came from, what they are training for, and what they are carrying with them out there.

Congratulations to every one of this year’s swimmers.

Thank you for reminding the rest of us what it looks like to set a big goal and keep going long after it stops being fun.

What is a paraplanner?Most people outside this profession have never heard the word, and that is a shame, because it mig...
08/28/2026

What is a paraplanner?

Most people outside this profession have never heard the word, and that is a shame, because it might be the best job in financial planning that nobody talks about.

Here is what a paraplanner actually does.

They build the financial plan behind every client meeting. They run the numbers, model the scenarios, and pressure test the strategy. They take a client's whole financial life, the accounts, the goals, the worries, the what ifs, and turn it into one clear plan the client can actually follow.

When you sit down with your advisor and everything just makes sense, there is a good chance a paraplanner built the thing you are looking at.

At most firms it is treated as a support role. A stepping stone. The person in the background. Here it is different. For us it is the path to becoming a financial planner, and that path is written down and handed to you on day one, so you always know exactly what you are working toward.

Here is the part that matters most to us.

We have a vision we call the 412 Vision. It is the whole reason this firm exists, and we are not getting there without paraplanners. The plans do not get built without them. Our clients do not get served without them. We cannot reach our vision without them.

So this is not us filling a seat. This is us looking for someone we genuinely need. Our clients need you. We need you too.

What we are looking for. One to four years in financial planning. The kind of detail oriented that catches what everybody else skims right past. And somebody who wants to grow into a planner, not just sit next to one.

We are hiring. Could it be you?

And if this is not you, but you just pictured someone the whole time you were reading, tag them. You might be handing a friend the job they have been waiting for.

The posting is in the comments.

08/26/2026

When should yinz take Social Security?

70? 62? Full retirement age?

It can feel like a lot of people are screaming rules at you. You have to take it at 70. You have to take it at 65. Pick an age, somebody out there will defend it.

Our answer is different for each and every client. We have recommended every age from 62 to 70.

They have rules of thumb because they're looking at Social Security in isolation. They're answering one question: how do I maximize Social Security? And if that's your only question, the answer often is 70. Wait, get the biggest check. They're right, if the only thing you're solving for is how much money comes out of Social Security over your lifetime.

That answer works if you live long enough to collect on it. For the couple in this video, that's age 86 and 77 respectively. Run the general math and the crossover for waiting from 62 to 70 usually lands somewhere around 80 or 81.

Maybe you'll live that long. I don't know.

And that's actually the argument for waiting. The bigger check is real longevity protection, and outliving your money is one of the biggest risks in retirement. That part is true. What nobody tells you is what waiting costs you in the meantime, because those checks come from somewhere else in the plan while you wait.

I don't care how much you get out of Social Security. I care if you're able to live the life you want to live.

So we run it through the financial plan instead. Their family core values, their priorities, their goals. Then we test every age from 62 to 70 and watch what it does to the plan.

Sometimes the bigger Social Security check makes the plan weaker. We'll take the stronger plan every time.

It doesn't stop there. Are you married? That changes the dynamics completely. It hits your taxes. It hits the withdrawal rates on the rest of your accounts.

There's a lot of variables here, and once you make that decision it's almost impossible to reverse.

It's too big a decision to make on your own.

We'd love to partner with you to build a plan so you can stop guessing and start making informed financial decisions.

Are you on track to meet your financial goals?Not knowing isn't the same as failing.Being unsure doesn't mean you did an...
08/26/2026

Are you on track to meet your financial goals?

Not knowing isn't the same as failing.

Being unsure doesn't mean you did anything wrong.

It means no one ever gave you a simple way to check.

Now there is one.

beratungadvisors.com/financial-health-checkup

Go from not knowing to knowing in 5 minutes or less.

Every year at Oktoberfest, we unveil a keepsake half-liter stein. Here are the first four.This year's is finished, and t...
08/24/2026

Every year at Oktoberfest, we unveil a keepsake half-liter stein. Here are the first four.

This year's is finished, and the only way to see it is to be in the tent holding it.

So in the meantime, which one is your favorite? Drop the number below.

5th Annual Beratung Oktoberfest
Tuesday, September 8 | Doors at 6:00
Teutonia Männerchor, Deutschtown

Clients, registration closes Tuesday, August 25.

https://lp.constantcontactpages.com/ev/reg/zx5ym3u/lp/687c7237-8534-4e8f-b6a3-753b0fb99e77

Prost!

08/22/2026

This is my favorite stein logo we've ever done.

Watch to see the reveal.

Just kidding. You gotta be there.

Here's the first four though. What do you think we did for year five?

Our 5th Annual Beratung Oktoberfest is Tuesday, September 8, at Teutonia Männerchor in Deutschtown. Doors at 6:00.

Clients, registration closes Tuesday, August 25. Link is in the comments.

Prost!

Scammers are targeting people with fraudulent phone calls, emails, and text messages, falsely claiming that they’ve miss...
08/20/2026

Scammers are targeting people with fraudulent phone calls, emails, and text messages, falsely claiming that they’ve missed jury duty and threatening prosecution if they don’t comply. These criminals are pressuring residents to provide personal, confidential information, putting them at risk of identity theft or fraud. Sometimes, they may also threaten fines and jail time to create a sense of urgency.

❗ What you must know:
These communications are NOT from the U.S. courts.
Federal courts will never ask for sensitive information over the phone or by email.
Don't provide any personal information if you receive a suspicious call or message.
If contacted, report the incident to the Clerk of Court’s office in your district.
You can find your local federal court contact through the Federal Court Finder -
Report scams to the Federal Trade Commission (FTC) - : https://reportfraud.ftc.gov/ #/

Remember, jury duty is a civic responsibility, but it's a crime for anyone to impersonate a federal court official. Stay alert and protect your personal information!

08/19/2026

Do you need to know how to dance to enjoy Oktoberfest?

No?

But when the band starts and the whole room gets up, you are going to wish you did.

So here is the easiest one. It is called the Fliegerlied, the airplane song.

Some call it the German hokey pokey.

You fly. You get strong like a tiger. You stretch up tall. You jump, you swim, you grab your neighbor's hand, and you circle up.

Come dance with us on September 8. Or just watch us dance, that is allowed too.

Registration closes for our annual client appreciation Oktoberfest on Tuesday, August 25.

So going up now with the link is in the comments.

Prost!

Have you ever wondered what it takes to build a comprehensive financial plan?Let's explore the six essential areas of fi...
08/14/2026

Have you ever wondered what it takes to build a comprehensive financial plan?

Let's explore the six essential areas of financial planning that we focus on when developing your personalized plan:

Present financial position
Protection planning
Retirement planning
Investment planning
Tax planning
Estate planning

Does your current plan address all 6 areas?

If not lets get started today? Send a direct message!

08/08/2026

Join us for our 5th Annual Beratung Oktoberfest.

Our Oktoberfest is one of the ways we tell our clients we love them.

This year we are moving outside to the big tent, which means more clients can join us. It will still fill up.

To help you prepare, we put together a series of Oktoberfest 101 videos so you can enjoy the traditions instead of standing there wondering what is happening.

In this one, David Auman and Suzanne Auman share the words to Ein Prosit so you can sing it and Prost with us.

Ein Prosit, ein Prosit
Der Gemütlichkeit
Ein Prosit, ein Prosit
Der Gemütlichkeit

What does it mean?

Prosit is the subjunctive of the Latin word prodesse and means "may it be beneficial," or roughly "be well." The word is the origin of the German prost, which just means cheers.

Gemütlichkeit is one of those German words that does not translate cleanly. Warmth. Good company. A room where everybody is glad to be there.

Altogether, "Ein Prosit der Gemütlichkeit" means something like a toast to good company.

That is the whole reason we do this night.

After the song, at Teutonia Männerchor, we follow the tradition of adding:

Oans, zwoa, drei, gsuffa!

That last line is Bavarian dialect for one, two, three, drink.

Our band will follow it with "Zicke zacke, zicke zacke, hoi, hoi, hoi!"

Zicke zacke is mostly nonsense rhythm words, the kind of thing a crowd shouts because it sounds good. Hoi, hoi, hoi is the loud, unified shout back from the room, meaning something like hey, hey, hey.

Then you yell "Prost!" and drink your beer.

If you are a client and you have not signed up yet, the link is in the comments.

Bonus fun fact.

Here is the part most people do not know. The song is not even that old. It was written by a newspaper editor named Georg Kunoth in the 1800s, and it became an Oktoberfest staple in 1898 when a Munich host named Georg Lang brought in a thirty-piece brass band and handed out songbooks so the crowd could sing along. It worked. In Munich's beer tents today you will hear it two or three times an hour.

Prost!

Address

645 Rodi Road, Ste 300
Pittsburgh, PA
15235

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