# Cedric Bernier

> Cedric Bernier is a fee-only financial advisor at DF Direct in Biarritz, Florida. Cedric charges a percentage of assets (0.5% a year on the first tier of assets managed and no asset minimum) and focuses on cross-border (US / Canada).

Page: https://find.wellspent.co/advisors/cedric-bernier/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** DF Direct
- **Based in:** Biarritz, Florida
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 0.5% a year on the first tier of assets managed; no asset minimum
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $601.7M across 1,701 accounts
- **Specialties:** Cross-border (US / Canada)
- **Works with:** Cross-border families, Early-career professionals
- **CRD:** 6196747 (https://adviserinfo.sec.gov/individual/summary/6196747)
- **SEC registration:** Investment adviser representative in FL
- **Exams passed:** Series 63 (2013), Series 66 (2014)
- **Firm size:** 13 employees
- **Disclosures:** None reported
- **Website:** https://www.df-direct.com/

## Frequently asked questions

### Is Cedric Bernier a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Cedric holds no broker registration, and DF Direct reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Cedric charge for financial advice?

Cedric charges a percentage of assets.

### How much does Cedric charge?

According to DF Direct's website, checked October 30, 2026: 0.5% a year on the first tier of assets managed; no asset minimum.

### Does Cedric work with clients virtually?

Yes. DF Direct says on its website that it works with clients remotely.

### Where is Cedric Bernier based?

Cedric Bernier is based in Biarritz, Florida.

### What does Cedric specialize in?

Cedric's specialties include cross-border (US / Canada). Cedric works with cross-border families and early-career professionals.

### Is Cedric Bernier registered with the SEC?

Yes. Cedric Bernier is registered as an investment adviser representative in FL (CRD 6196747), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does DF Direct manage?

DF Direct reports $601.7M across 1,701 accounts in assets under management.

### How do I contact Cedric Bernier?

Through Cedric's website, www.df-direct.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6196747): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.df-direct.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.