San Mateo, CA Office

St. Bernard Financial Services serves individuals, families, trusts, estates and small businesses with portfolio management and investment implementation across mutual funds, annuities and life insurance. The firm is registered both as an investment adviser and as a broker‑dealer and offers advisory relationships on an asset‑based or hourly basis while some representatives also sell commissionable products through the broker‑dealer arm.

The firm describes a long‑term, conservative growth approach using tactical asset allocation grounded in Modern Portfolio Theory and academic research, with portfolio design developed in collaboration with clients. St. Bernard states it generally exercises very limited discretionary trading authority, so most client assets remain managed on a non‑discretionary basis and custodial relationships are used for execution and reporting.

Distinctive features relative to peers include its dual adviser/broker‑dealer structure, on‑platform insurance sales and numerous affiliated outside practices (including tax/CPA and insurance agencies among its advisers), and an extended branch network across many offices. The brochure discloses a small number of firm events (a $250 insurance fine and a state registration denial) and also describes supervisory controls, personal‑trading reviews and disclosure practices (including excluding commissionable assets from AUM calculations) and the provision of educational resources to address conflicts arising from its blended business model.