Wellfull

Wellfull (Bernardo Wealth Planning, LLC) serves individuals, families, trusts, retirement plans, and other organizations, providing financial planning, discretionary portfolio management, retirement plan consulting, and access to tax and accounting services through an affiliated entity. As of December 31, 2025 the firm reported roughly $866 million in discretionary assets under management and works with clients both on implementation and on a non-discretionary basis for certain services.

The firm treats financial planning as the cornerstone of its investment work, using client interviews and a risk-assessment questionnaire to develop written plans that guide discretionary asset management and ongoing reviews. Portfolios are managed using model-based asset allocation applied pari passu across accounts, drawing on multiple analysis methods (fundamental, technical, charting, cyclical), with the ability to use third-party managers or create custom strategies when tax or other client-specific considerations warrant.

Wellfull is notable for its affiliated role as manager and sponsor of a series of pooled private investment vehicles (the “B Capital” funds), which the firm offers to appropriate investors on a non-discretionary, private-placement basis and which are governed by separate offering documents. The firm also discloses that some professionals are separately licensed insurance agents and that an affiliated tax advisory provides accounting and tax services—relationships the brochure identifies as potential conflicts of interest and that the firm says it seeks to mitigate through disclosure and compliance procedures.