Lyon Bern, LLC

Lyon Bern provides investment advice and portfolio management to a mix of individual clients (both non‑high‑net‑worth and high‑net‑worth), corporations, pension and profit‑sharing plans, charitable organizations, and insurance company clients. Its services include a virtual investment management advisory (VIMA) subscription, discretionary wealth and asset management using blended model portfolios, held‑away retirement account management, and comprehensive financial planning.

The firm’s investment process combines in‑depth fundamental research with technical analysis and ongoing macro/microeconomic monitoring, and it uses risk‑management techniques such as put options, stop‑loss provisions and profit lockers for hedging rather than speculative trading. VIMA clients receive periodic market updates and educational materials while wealth & asset management clients may be managed on a discretionary basis under the firm’s stated investment protocols.

Noteworthy disclosures in the brochure include a settled administrative proceeding with the Puerto Rico insurance regulator and an affiliation with an insurance agent entity through which the firm’s principals hold licenses and may receive commissions for insurance sales. The firm also highlights work with institutional‑type clients and the use of derivatives in separately managed accounts and model portfolios—features that are less common among similarly sized supported advisers.