Sugar Grove, IL Office
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Ascension Financial
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About
Ascension Financial is a fee-only investment adviser that provides customized portfolio engineering, construction, and ongoing management of exchange-traded securities for individuals, high‑net‑worth clients, retirement plans, trusts, estates, charitable organizations, and corporate entities. The firm manages client accounts on a discretionary basis and works with clients to align portfolios with their medium‑ to long‑term objectives, tax and estate considerations, and risk tolerance.
The firm’s investment approach blends quantitative optimization, fundamental and technical analysis, and the use of institutional mutual funds, ETFs, and individual securities to tailor portfolios; Ascension actively monitors portfolios and recommends realignment or repositioning as market or client circumstances change. Ascension also implements options and other derivative strategies (including covered calls, spreads, long calls/puts, and cash‑secured puts) and, as described in Item 8, may employ margin borrowing when using leverage—practices it uses within managed accounts to implement positioning and hedging.
Noteworthy for a team firm, Ascension discloses explicit use of derivatives and borrowing in client-managed accounts—features that are uncommon among peers and that increase both potential return and risk exposure. The brochure also discloses a history of regulatory examinations and consent orders from the Colorado Division of Securities in 2018 and 2022 and states the firm undertook remediation and adopted revised policies and procedures by 2023.
Based on Ascension Financial
Expertise
Based on Ascension Financial
Location
Sugar Grove IL
Advisors at this office
2
Advisors at this office
Bernard C
ChFC®, Series 65
Sugar Grove, IL
Ascension Financial
Bernard Czerwinski Jr. is a financial advisor at Ascension Financial with a ChFC® designation and a Series 65 license, bringing three years of industry experience. His career includes roles at RLK-PLG Investment Management, LLC, Forever Companies, and GM Casting House, Inc. Outside of his advisory work, he is the managing member of Czerwinski Consulting, which provides consulting services on operational strategy and technology for B2B manufacturers and direct consumer retail. Ascension Financial is a fee-only investment adviser that manages customized portfolios for individuals, high-net-worth clients, retirement plans, trusts, charitable organizations, and corporate entities. The firm uses a combination of quantitative optimization, fundamental and technical analysis, and institutional investments, actively monitoring and adjusting portfolios to meet clients’ objectives, incorporating derivative strategies and leverage where appropriate.
Ethan C
Series 65
Sugar Grove, IL
Ascension Financial
Ethan Czerwinski is a financial advisor at Ascension Financial with a Series 65 designation and six years of experience through his own consulting business. He has been with Ascension Financial since 2023. Outside of his advisory role, he operates Czerwinski Consulting LLC, a non-investment-related business. Ascension Financial is a small, fee-only advisory firm serving individual and high-net-worth clients, as well as trusts, estates, and qualified retirement plans. The firm actively manages portfolios using a combination of fundamental, quantitative, and technical analysis, employing strategies such as derivatives and margin for hedging and income generation.
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