Bertram Financial

Bertram Financial Financial Guidance designed to help you navigate your retirement with ease. As a Midwesterner, family, hard work and living by your values embodies who you are.

That hard work mentality has allowed you to save for your future. While you have spent years working hard for that savings, now you want your money to work as hard as you have so you have the confidence to be able to do more of what you want to do. That is where I come into play. Our "dream retirement" process can help you achieve the security and clarity you have been looking for in 4 simple step

s:

💬What do you want? All planning starts here. As simple as this sounds, it is often overlooked. Some of the most common questions I hear is, “Do I have enough for retirement?” and "Is there anything I can do to reduce my taxes?" But there is not a one size fits all answer. Your situation is unique and the answer is unique to you.

💬What do you have? When you know what you want, we then help you gain a better understanding of what you have. Yes, a financial inventory is a good start, but a spreadsheet isn’t enough. What risks are embedded in your plan? What obstacles are in the way of your goals? What opportunities are available to you? All these combined are what you have.

💬What do you need? Most people skip to step three, what you need. Focusing on products, investment vehicles or tax strategies is like trying to fit a square peg into a round hole. The one thing I can say everyone needs is a coordinated plan. Tax planning, cash flow management (aka income), investment positioning, and estate preservation all need to work together because what you do in one area affects all the other areas.

💬What to do? Start today! The greatest threat to your financial future is not the market or taxes or inflation…. The greatest threat is procrastination and the status quo bias! At the end of each conversation with us, you will know what to do next if anything. Let’s start with a free review. If what you have is good, it will be obvious, and you will have greater confidence knowing that. But if what you have is not good, you need to understand why. If you’re ready to start today, to define what you want, review what you have, and plan for your future, then send me a message here on Linked In or schedule a 15-min virtual coffee chat with me. Live Your Dream! Michelle Bertram
www.bertramfinancial.com/coffeechat
608-987-1511

Or join one of our Masterclasses with world-renowned author, economist, and PBS host, Tom Hegna. Paychecks and Playchecks - https://landing.bertramfinancial.com/23056/paychecks&playchecks
Who Wants to Be a Millionaire - https://landing.bertramfinancial.com/22916/who-wants-to-be-a-millionaire

03/05/2026

Just a sneak peak of Asher and all the amazing cast. If you like musicals, come watch the Prince of Egypt this weekend or next!
Tri-State Homeschool Network Performing Arts

02/26/2026

We broke down markets into a 5-minute read

Check out our quarterly update and join us for our annual State of the Union with our portfolio manager, Guy Riccardi.
02/19/2026

Check out our quarterly update and join us for our annual State of the Union with our portfolio manager, Guy Riccardi.

Here's what savvy investors should know

02/18/2026

🚀 Market Outlook 2026: What Every Investor Needs to Know

The past few years were dominated by big tech and AI-driven growth… but things are shifting.

📊 Market leadership is broadening beyond mega-cap tech
💡 AI spending is creating both opportunities and risks
⚖️ Smart portfolios balance growth AND risk

Want to know how to position your investments for the year ahead?

Check out our latest insights and strategy tips here: https://bertramfinancial.com/uncategorized/state-of-the-union-whats-in-the-mix-for-2026-ai-the-shift-beyond-big-tech

02/12/2026

💭 "How much do I need to retire?"

If you've Googled this question, you've probably seen 49 MILLION different answers! 😅

Here's the truth: There's no magic number. 🎯

I've seen people living their DREAM retirement with less than a million saved, while others with millions still feel uncertain. The difference? They started with a plan that fit THEIR life.

Your retirement isn't about hitting someone else's number—it's about knowing YOUR number. And finding that starts with asking yourself: ✨ What does your dream retirement actually look like? ✨ What will it cost to live that life? ✨ How will your income sources (Social Security, pensions, savings) come together?

The 4% rule and 80% income replacement might work for some, but your retirement is as unique as you are. Want to travel the world? That's going to look different than spending summers at the cabin! 🏖️

Ready to stop guessing and start planning? Read the full article here: https://bertramfinancial.com/investment-positioning/what-is-the-best-investment-in-2019

Check out our quarterly update and join us for our annual State of the Union with our portfolio manager, Guy Riccardi.
02/12/2026

Check out our quarterly update and join us for our annual State of the Union with our portfolio manager, Guy Riccardi.

Here's what you need to know

Gold at $5,100. Silver past $117. 📈These aren't just big numbers—they're signals about something deeper happening in our...
02/06/2026

Gold at $5,100. Silver past $117. 📈

These aren't just big numbers—they're signals about something deeper happening in our financial system.

The difference between paper prices and physical metal? Growing. The gap between Western and Asian markets? Widening. What does this mean for your wealth?

I break down what's really driving this unprecedented rally and what you need to know, whether you're a current holder or just trying to understand what these market moves mean.

Full insights here: https://bertramfinancial.com/silver-and-gold/gold-and-silver-prices-surge-to-record-highs-what-financial-advisors-and-investors-must-know-in-2026

02/06/2026

Don't miss this complimentary session on February 13, 2026 at 10 am! RSVP here!

Check out our quarterly update and join us for our annual State of the Union with our portfolio manager, Guy Riccardi.
02/05/2026

Check out our quarterly update and join us for our annual State of the Union with our portfolio manager, Guy Riccardi.

Here's what savvy investors took away from 2025

02/03/2026

VIRTUAL EVENT: February 13, 2026 at 10 am! Click here!

Address

229 High Street
Mineral Point, WI
53565

Telephone

+16089871511

Website

Alerts

Be the first to know and let us send you an email when Bertram Financial posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Bertram Financial:

Shortcuts

Share

Category

About Us

Bev and Michelle are the dynamic mother-daughter team of Bertram Financial. They are a leading authority in retirement planning. Due to their unique approach of blending personal purpose with finances, they are highly sought-after speakers. As award-winning advisors and authors, their insights have been featured in national publications such as Fox Business, Yahoo Finance, & The Money Show.

Bev and Michelle are both licensed insurance professional and an Investment Adviser Representatives serving as fiduciaries to their clients. With over four decades of combined experience working with thousands of people throughout the Midwest, they created a proprietary system that guides people through all aspects of retirement such as investment positioning, income planning, tax laws, estate preservation, and legacy planning.

After seeing firsthand how wrong financial information can ruin financial futures and crush dreams; Bev and Michelle are on a mission to change the financial industry, to turn confusion into clarity and see people live their dreams, that’s why they wrote their book, Creating Your Dream Retirement. It is not another book about money - it's about you, your family and the dreams you have.