St Bernard Asset Management, Inc.

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.