Berman, Gil

The firm provides investment advice and financial planning primarily to individuals and families, and also works with trusts, estates and pension or profit‑sharing plans. Services center on portfolio reviews, asset‑allocation and rebalancing recommendations, and broader financial planning topics such as cash flow, retirement readiness and account setup.

The adviser emphasizes long‑term, buy‑and‑hold portfolios built mainly with mutual funds and ETFs and uses fundamental analysis (with frequent use of third‑party research tools) to recommend diversified, low‑cost funds; occasional recommendations of individual securities or short‑term trades are made when client circumstances warrant. Portfolio reviews are conducted on a consulting basis at the client’s request, and the firm generally provides non‑discretionary advice—when it holds limited trading authority it consults clients prior to each trade.

Distinctive aspects include serving pension/profit‑sharing plans (an uncommon client type for a solo independent adviser) and reporting roughly $64 million in regulatory assets that are largely managed on a non‑discretionary basis. The firm is fee‑only and does not charge percentage‑of‑assets management fees, has no custody of client assets, and typically assists clients in placing accounts with custodians such as Charles Schwab, Vanguard and Fidelity.