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Who We Work With

Who We Work With

We proactively serve retired and retiring professionals who want to live their DREAM retirements. By creating personalized income strategies, we help our clients sustain their desired lifestyles and leave a legacy to their families and the charities they love!

We work with business owners to help reduce their taxes and operating costs, enabling them to grow their business and/or their DREAM retirement.b

We also partner with organizations and associations that also serve some of our communities, providing greater services for their members or donors.


Qualifications

When selecting our clients, we look for individuals, families and business owners who are likable, teachable and ethical.

We look for the same essence match and qualities in the organizations we partner with.

How Do You Know We Are a Good Fit?

“Bev and Michelle, you said that one of the things Warren Buffett looks for is someone he enjoys spending time with. How do you know whether it is going to work out when you meet a new advisor?” asked Mr. Fredric, a retired professional.

That’s a very good question. Here’s what we know: There must be a good fit for long-term success. While you are evaluating an advisor for a good fit, the advisor must be evaluating you as well.

We reviewed our most enduring relationships and have identified Seven Key Characteristics.

1. They Live by Their Values
Values like honesty, integrity and hard work – to name just a few – are the foundation of everything that they do. They do not sacrifice their values for results … the end never justifies the means.

2. They Know the Value of a Dollar
Mr. Woodley, a Wisconsin business owner, said it best, “Every dollar I have is valuable to me. It came by the sweat of my brow. I risked everything I own to start this business and keep it running. I don’t want to pay one more dollar than I am required.”

They have worked hard to earn, save and accumulate their money.

3. They Believe Wealth is More than Money

They know that true wealth has many dimensions … including personal, spiritual, social, human and intellectual capital. They believe all forms of wealth are worth preserving.

“Relationships are more important than my money. Of course, I want to have enough to secure my lifestyle, but more than that, I want to positively impact my family and my community.”
confided Mrs. Hampton, a widowed farmer.

4. They are Open to New Ideas
They know there is no monopoly on good ideas, no corner on creativity; therefore, they approach new ideas with an open mind. Many have a reasonable plan and good advisors … yet they are open to new ideas that move them to the next level.

5. They Understand That Not Making a Decision is a Decision
Their experiences have taught them that procrastination is one of the biggest threats to success. Not moving forward is really moving backward; not deciding is deciding. They gather the information needed to make wise choices and then ACT.

6. They Know What They Do Well
By implication, they know what they don’t do well.

“I tried the do-it-yourself route with my money; what a disaster! I know enough to  be dangerous … besides, I can make more money with my time than it costs to delegate,” shared Mr. Wilson, a recently retired businessman.

7. They Care About Quality
They agree with John Ruskin, who said, “There is hardly anything in the world that some man cannot make a little worse and sell a little cheaper, and the people who consider only price are this man’s lawful prey.”

They hire, respect and reward talented specialists … and desire win-win relationships with the people they enjoy.

These Seven Key Characteristics have been the foundation for every enduring relationship we have … and we look for them in everyone we work with, whether business owners, retired professionals or women on their own.

Beverly Bertram and Michelle Bertram are financial advisors, insurance professionals, consultants and the creators of the DREAM Retirement Process. Bev and Michelle can be reached at 608.987.1511.



























 

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.



Being business owners ourselves, we understand the challenges that businesses face … taxes, costs, risks, regulations and liability, just to name a few. Being business owners ourselves, we understand the challenges that businesses face … taxes, costs, risks, regulations and liability, just to name a few. We also understand that most people are in business not only to make a living but to build a future for themselves and their family. A future of financial freedom, freedom to walk away (retire) if they choose, a future filled with financial peace of mind and a future impact on the people and the causes they care about. The same things we are striving toward, for both ourselves and our clients.


 

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

Insurance services and products are offered through Bertram Financial Group LLC and Michelle E. Bertram LLC. Investment advice offered through Bertram Financial Advisor Services LLC, member FINRA & SIPC and with Redhawk Wealth Advisor, Inc. or AE Wealth Management both SEC-registered investment advisors. Bertram Financial Advisor Services, LLC. Affiliated with Redhawk Wealth Advisors or AE Wealth Management.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

*Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.