# John Bernstein

> John Bernstein is a fee-only financial advisor at Bernstein Financial Advisory in Minneapolis, Minnesota. John focuses on retirement planning. Bernstein Financial Advisory reports charging a percentage of assets and hourly fees on its Form ADV.

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

## Facts

- **Firm:** Bernstein Financial Advisory
- **Based in:** Minneapolis, Minnesota
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $9.5M across 23 accounts
- **Specialties:** Retirement planning
- **CRD:** 7131044 (https://adviserinfo.sec.gov/individual/summary/7131044)
- **SEC registration:** Investment adviser representative in MN, TX
- **Exams passed:** Series 65 (2019)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.bernsteinfinance.com

## Frequently asked questions

### Is John Bernstein a fee-only financial advisor?

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

### How does John charge for financial advice?

John's firm, Bernstein Financial Advisory, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Does John work with clients virtually?

Yes. Bernstein Financial Advisory says on its website that it works with clients remotely.

### Where is John Bernstein based?

John Bernstein is based in Minneapolis, Minnesota.

### What does John specialize in?

John's specialties include retirement planning.

### Is John Bernstein registered with the SEC?

Yes. John Bernstein is registered as an investment adviser representative in MN and TX (CRD 7131044), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Bernstein Financial Advisory manage?

Bernstein Financial Advisory reports $9.5M across 23 accounts in assets under management.

### How do I contact John Bernstein?

Through John's website, www.bernsteinfinance.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7131044): 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://bernsteinfinance.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.