St. Bernard Financial Services, Inc.

St. Bernard Financial Services works with individuals, families, small businesses, trusts and estates, providing investment advisory and brokerage services that include portfolio management, financial planning, and implementation via registered securities, annuities, and life insurance. The firm is both an SEC‑registered investment adviser and a registered broker‑dealer, and some representatives are licensed to sell insurance and receive commissions on certain products.

The firm describes a long‑term, conservative growth philosophy using tactical asset allocation grounded in Modern Portfolio Theory and academic research, with a preference for low‑cost, no‑load funds while accounting for tax and risk considerations. Account relationships are typically collaborative and largely non‑discretionary — St. Bernard accepts only limited discretionary authority and generally involves clients in security selection and portfolio design.

What distinguishes St. Bernard from many peers is its dual adviser/broker‑dealer structure combined with affiliations to insurance and accounting/tax practices, so advisors commonly offer both fee‑based and commission‑based solutions (commissioned assets are disclosed and excluded from AUM fees). The firm’s brochure also discloses prior regulatory actions and supervisory issues that have been reported to state regulators, which the firm notes in its compliance disclosures.