Marcelo Bernardo

Mr. Bernardo is an independent Wealth Advisor with over thirty years of experience offering strategic counsel to clients on a wide variety of financial topics including retirement planning, tax-efficient investing and wealth transfer.  He is well-versed in certificates of deposit, individual stocks and bonds, mutual funds, exchange traded funds, real estate investment trusts, brokerage and advisory accounts, fixed index and variable annuities, college savings plans, life insurance and long-term care insurance.

After carefully listening to clients’ financial needs and objectives, he develops a customized investment portfolio that reflects their unique goals and risk tolerance.  Mr. Bernardo is adept at working with diverse clientele managing portfolios for individuals, business owners and retirees with income and tax planning needs.

Prior to joining Applied Financial Planning, Mr. Bernardo honed his investment skills with some of the largest financial institutions in the country.  Mr. Bernardo knowledgeably managed hundreds of clients with millions of dollars in client assets.  His in-depth understanding of clients’ financial needs, goals and lifestyle aspirations enables Mr. Bernardo to prudently implement tailored investment and tax planning strategies.

A graduate of California State University, Fullerton, he earned a bachelor’s degree in Business Administration with an emphasis in Finance.

Mr. Bernardo was born in Argentina and is proud to be a United States citizen.  He speaks Spanish and enjoys wine tasting with his lovely wife, watching soccer with his step-son, golfing with his step-daughter and playing competitive golf on the US Am Tour.  He is a member of Kingdom Advisors and attends Saddleback Church in San Juan Capistrano.