Monona, WI Office

Brindle & Bay provides ongoing financial planning and discretionary portfolio management for individual and high‑net‑worth clients, generally focusing on tailored strategies tied to each client’s goals, risk tolerance and time horizon. The firm charges asset‑based fees and typically requires about $1,000,000 in assets to start an advisory relationship, although that minimum may be waived in certain cases.

The firm’s investment process begins with an asset allocation framework and uses dynamic weighting in its model portfolios, supplemented by longer‑term purchase strategies when appropriate. Brindle & Bay uses a third‑party model provider, Advisor 123, for model design and testing but retains discretion for implementation, monitoring and rebalancing of client accounts.

Noteworthy distinctions include that the firm’s owner is also an independent insurance agent and may recommend commission‑based insurance products as part of financial planning, a practice the brochure identifies as creating a potential conflict of interest. The firm also recommends and requires custody with a particular broker‑dealer/qualified custodian and discloses the owner’s personal investment in that custodian’s parent company, describing periodic reviews and documented measures to address that conflict.