St. Bernard Financial Services is a registered investment advisor and broker-dealer founded in 1994, offering portfolio management, financial planning, and brokerage services to individuals, families, trusts, estates, and small businesses. St. Bernard Financial Services uses a long-term conservative growth strategy and tactical asset allocation based on Modern Portfolio Theory, focusing primarily on low-cost, no-load mutual funds, exchange-traded funds, and individual securities. The firm also assists clients with insurance and annuity products. Clients can choose between ongoing portfolio management based on a percentage of the value of their portfolio, or hourly consulting for specific financial questions. St. Bernard Financial Services operates through a network of independent representatives across the United States.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $50K | 2.00% |
| $50K - $100K | 1.75% |
| $100K - $250K | 1.50% |
| $250K - $500K | 1.25% |
| $500K - $5.0M | 1.00% |
| $5M+ | 1.00% |
Fees for accounts over $5 million are negotiable. Clients may alternatively choose a flat fee to be negotiated.