Wealth Forward, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$218,413,679
Clients
355
Advisors
2
of 2 employees
About
Wealth Forward serves individuals (including high‑net‑worth clients), retirement plan sponsors, trusts, estates, charitable organizations and business entities, providing discretionary portfolio management through Model Portfolio Accounts and Individually Managed Accounts, financial planning, and retirement plan consulting. Managed assets are held at a qualified custodian and clients receive ongoing monitoring, periodic reviews, and implementation assistance when requested.
The firm’s investment process blends fundamental and cyclical analysis and employs proprietary and third‑party model portfolios diversified across domestic and international equities, fixed income, alternatives and cash equivalents; Wealth Forward may exercise written discretionary trading authority and can allocate portions of portfolios to third‑party managers. Financial planning projects routinely cover investments, taxes, insurance, retirement and estate planning and are based on client‑provided information with reviews at least quarterly for managed accounts.
What is distinctive is that the firm’s principal holds accounting (CPA) and CFP credentials and the brochure discloses that some advisory representatives are separately licensed insurance agents, a combination that is uncommon among similar supported firms and can lead the firm to both advise on tax/financial planning and recommend commission‑based insurance products (with the conflict disclosed). The firm manages roughly $228 million with two advisors and recently disclosed a custodial transition to Charles Schwab, with accompanying disclosures about custodial services and potential economic benefits to the firm.
Client services
Expertise
Fee options
Financial planning fees are negotiable; based on fixed-fee per project or hourly basis; estimated fee disclosed prior to contract
$0 - $2 million: 1.00% annually $2 million - $3 million: 0.95% annually $3 million - $5 million: 0.90% annually $5 million - $10 million: 0.80% annually $10 million+: 0.70% annually $0 - $500,000: 1.25% annually $500,000 - $1,000,000: 1.00% annually $1,000,000 - $2,000,000: 0.90% annually $2,000,000+: 0.75% annually
Independent licensed insurance agents may receive commissions for insurance products sold (not included in advisory fees)
$300 per hour for financial planning services (with $2,000 annual minimum)
Minimum fee: Minimum annual fee of $500 per household for advisory services; $2,000 annual minimum for hourly financial planning services
Main office
2632 47th St S., Suite 107
Fargo ND 58104
Advisors at this office
2
Most active in
Minnesota · New Hampshire · North Dakota · Texas
Also doing business as
Ranstrom Berg Wealth Management, LLC · Ranstrom Financial Planning Services, LLC · Wealth Forward, LLC
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.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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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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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.
Advisors at this firm
Stephanie T
Series 65
Fargo, ND
Wealth Forward, LLC
Stephanie Ternes is a financial advisor at Wealth Forward, LLC with 12 years of industry experience. She has worked with the firm, formerly known as Ranstrom Berg Wealth Management, since 2006. She holds a Series 65 designation. Wealth Forward serves individuals, retirement plan sponsors, trusts, estates, charitable organizations, and business entities by providing discretionary portfolio management, financial planning, and retirement plan consulting. The firm uses a blend of fundamental and cyclical analysis and offers diversified model portfolios, with regular reviews and ongoing client support.
Ryan B
CFP®, PFS™, Series 63, Series 65
Fargo, ND
Wealth Forward, LLC
Ryan Berg is a CFP® and PFS™ certificant with 14 years of industry experience. He has been with Wealth Forward, LLC (formerly Ranstrom Berg Wealth Management) since 2013. In addition to his advisory role, he operates a CPA tax preparation practice and is an independent insurance agent. Wealth Forward serves individuals, retirement plan sponsors, trusts, estates, charitable organizations, and business entities by providing discretionary portfolio management, financial planning, and retirement plan consulting. The firm’s investment approach combines fundamental and cyclical analysis, using proprietary and third-party model portfolios across diversified asset classes.
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