St Bernard Asset Management, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
St. Bernard Asset Management provides fee-based investment advisory and portfolio management services to individuals, families, trusts and estates, small businesses, and a range of charitable organizations and other institutional clients. Services include collaborative portfolio design and implementation across registered securities, annuities, and life insurance, as well as financial planning and hourly consultations.
The firm pursues a long-term, conservative growth approach using tactical asset allocation grounded in Modern Portfolio Theory and academic quantitative research, with a preference for low-cost, no-load mutual funds while also considering individual securities when appropriate. St. Bernard generally accepts very limited trading discretion — clients retain choice over specific securities — and many accounts are managed on a non-discretionary basis using third‑party custodians to effect transactions.
Compared with many independent advisors, the firm has operational ties to an affiliated broker‑dealer and insurance business (St. Bernard Financial Services, Inc.), and its representatives may offer commissionable variable products; when commissions apply the firm discloses them and excludes commission‑paid assets from asset‑based fee calculations. It is also atypical among peers for an independent adviser of this size to serve institutional and plan‑related clients in addition to retail clients and to provide portfolio design with no stated account minimum.
Client services
Expertise
Fee options
Flat fee to be negotiated as alternative to AUM or hourly fees
$0 - $50,000: 2.00% $50,001 - $100,000: 1.75% $100,001 - $250,000: 1.50% $250,001 - $500,000: 1.25% $501,000 - $1 million: 1.00% $1 million+: Negotiable
Commissions on variable products when implemented; commissions fully disclosed and excluded from AUM fees
Typical hourly rate is $125 per hour for consultations and financial planning
Fee-only: Fee based mainly on percentage of assets under management with negotiated flat fee option; also hourly fees available
Main office
1609 West Main
Russellville AR 72801
Advisors at this office
1
Most active in
Arkansas · Florida · Georgia · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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