# Michael Bernard

> Michael Bernard is a fee-only financial advisor at Bernard & Johnson in Pasadena, California, who holds the CFP credential. Michael focuses on divorce financial planning and retirement planning. Bernard & Johnson reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Bernard & Johnson
- **Based in:** Pasadena, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $113.1M across 216 accounts
- **Credentials:** CFP
- **Specialties:** Divorce financial planning, Retirement planning
- **Works with:** Divorced individuals, Pre-retirees
- **CRD:** 2410469 (https://adviserinfo.sec.gov/individual/summary/2410469)
- **SEC registration:** Investment adviser representative in CA, TX
- **Exams passed:** Series 63 (1993), Series 65 (1994)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** http://bernardandjohnson.com

## Frequently asked questions

### Is Michael Bernard a fee-only financial advisor?

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

### How does Michael charge for financial advice?

Michael's firm, Bernard & Johnson, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Michael Bernard based?

Michael Bernard is based in Pasadena, California.

### What does Michael specialize in?

Michael's specialties include divorce financial planning and retirement planning. Michael works with divorced individuals and pre-retirees.

### What credentials does Michael Bernard hold?

Michael Bernard holds the CFP credential.

### Is Michael Bernard registered with the SEC?

Yes. Michael Bernard is registered as an investment adviser representative in CA and TX (CRD 2410469), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Bernard & Johnson manage?

Bernard & Johnson reports $113.1M across 216 accounts in assets under management.

### How do I contact Michael Bernard?

Through Michael's website, bernardandjohnson.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2410469): 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.bernardandjohnson.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.