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# Bernstein Financial Advisory

## Sitemaps

- [XML Sitemap](https://bernsteinfinance.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://bernsteinfinance.com/blog/)
- [The Better-Balanced Portfolio Could Be Right For You](https://bernsteinfinance.com/2026/06/the-better-balanced-portfolio-could-be-right-for-you/) - Risk parity investing, just as it sounds, is equal risk investing. Often times when investors refer to how their portfolio is invested they are referring to dollars not risk. As we’ll show later, a portfolio like this does not provide anywhere near the risk diversification one might expect. We have developed the Better-Balanced Portfolio as a more effective solution.
- [Can a Streak Help You Hit Your Goals?](https://bernsteinfinance.com/2026/03/can-a-streak-help-you-hit-your-goals/) - I recently accomplished a big goal that I had been striving toward. My consecutive daily exercise streak hit 3652 days; that is exactly 10 years!
- [Diversify to Protect Your Stock Portfolio](https://bernsteinfinance.com/2025/12/diversify-to-protect-your-stock-portfolio/) - In a somewhat surprising shift from his first term, Trump appears to be less focused on how the financial markets react to his policies. As a result of this shift, the importance of a diversified stock portfolio is even greater. Overall, his policies were very business friendly in his first term. While that is still the case in his second term, there are some significant exceptions. His policies on tariffs being the one of the most notable shifts. Of course, the effects vary by both industry and the countries to which those industries have exposure. In a somewhat surprising shift from his first term, Trump appears to be less focused on how the financial markets react to his policies. This shift underscores the importance of ensuring that you diversify your stock portfolio.
- [A Crazy Idea Becomes an Epic Adventure!!                                      Part One: Northward Ho!](https://bernsteinfinance.com/2025/02/a-crazy-idea-becomes-an-epic-adventure-part-one-northward-ho/) - We all have limited resources. For most of us, both time and money probably top that list. As a result, we are always making decisions, both explicitly and implicitly, about how to allocate those resources. How many of us dream about unique, off-the-beaten-path ways that we would like to use our limited time or money?
- [A Crazy Idea Becomes an Epic Adventure!! Part Two: Beyond the Arctic Circle, On to Inuvik and the Arctic Ocean!](https://bernsteinfinance.com/2025/02/a-crazy-idea-becomes-an-epic-adventure-part-two-beyond-the-arctic-circle-on-to-inuvik-and-the-arctic-ocean/) - After filling the jeep with gas the next morning (for about $2.50 per gallon, when the normal price at that time was $1.20 per gallon), I set out on the final 230 mile stretch to reach Inuvik. Enroute, I crossed the Arctic Circle and then the Richardson Mountains before entering the Northwest Territories (NWT).
- [The Better-Balanced Portfolio](https://bernsteinfinance.com/2021/08/the-better-balanced-portfolio/) - Risk parity (equal risk) investing was pioneered in the 1990s. It gained traction with large institutional investors during the early 2000s, and became even more popular after the 2008 financial crisis, when the strategy delivered strong relative performance. The general idea is to construct an investment portfolio that can perform fairly well in any economic environment.
- [Are Democratic or Republican Presidents Better for Stock Market Performance?](https://bernsteinfinance.com/2020/11/are-democratic-or-republican-presidents-better-for-stock-market-performance/) - As election news continues to swirl around us, there has never been a better time to recall the old expression that, “presidents get too much blame and too much credit.” This is most certainly true with respect to the economy and financial markets. To be sure, Presidents are certainly one of the factors that can have influence on the business cycle...
- [Review and Analysis of Peloton's Earnings Results](https://bernsteinfinance.com/2022/11/review-and-analysis-of-pelotons-earnings-results/) - This is my summary of Peloton’s quarterly earnings results, which the company released November 3rd. In addition to providing many of the facts from that release, I also provide my own thoughts and opinions about the results. This is not intended to be a recommendation to buy or sell the stock. Moreover, when I discuss the future viability of the company, I am referring to the operations of the company, not the stock.
- [Thoughts on Peloton's Latest Earnings Results](https://bernsteinfinance.com/2023/02/thoughts-on-pelotons-latest-earnings-results/) - This is my summary of Peloton’s quarterly earnings results, which the company released on February 1st. In addition to providing many of the facts from that release, I also provide my own thoughts and opinions about the results. This is not a recommendation to buy or sell the stock. Moreover, when I discuss the future outlook of the company, I am referring only to...
- [Musings on Peloton's Latest Earnings Release](https://bernsteinfinance.com/2022/08/musings-on-pelotons-latest-earnings-release/) - Peloton reported results for their fiscal 2022 4th quarter (calendar 2nd quarter), which ended June 30th. The earnings call was conducted by CEO Barry McCarthy and newly appointed CFO, Liz Coddington. Similar to last quarter...
- [The Better-Balanced Portfolio, an Interview with Cynthia Meyer of Real Life Planning](https://bernsteinfinance.com/2022/07/video-podcast-john-bernstein-better-balanced-portfolio-interview-with-cynthia-meyer-of-real-life-planning/) - I was recently interviewed by my colleague, Cynthia Meyer, of Real Life Planning. The interview covers our Better Balanced Portfolio, the primary investment strategy we employ at Bernstein Financial Advisory.
- [Perspectives on Peloton from the Latest Earnings Results](https://bernsteinfinance.com/2022/05/perspectives-on-peloton-from-the-latest-earnings-results/) - The following is my summary of the quarterly earnings report that Peloton released on May 10th, along with my thoughts and opinions on the same. This is not intended to be a recommendation to buy or sell the stock. It is meant for Peloton enthusiasts who may be interested in some of the challenges and opportunities facing the company, particularly as it relates to the company remaining an independent, going concern.
- [Ponderings on the Latest News from Peloton](https://bernsteinfinance.com/2022/02/ponderings-on-the-latest-news-from-peloton/) - This is a longer article, so I’ve divided it into two main parts: the first is a discussion of Peloton and the possibility of an acquisition, and the second is a discussion of the earnings release. The following is my summary of the news announced by Peloton last week, along with my thoughts and opinions on the same.
- [Reflections on a Streak](https://bernsteinfinance.com/2022/03/reflections-on-a-streak/) - Today marks 2191 consecutive days of exercising every day without missing a single day, that's 6 years. For those of you checking the math, 6 years times 365 days equals 2190 days, plus 1 day because 2020 was a leap year.
- [My Favorite Speakeasies in the Twin Cities](https://bernsteinfinance.com/2020/08/my-favorite-speakeasies-in-the-twin-cities/) - With just three short sentences and 107 words, the 18th Amendment to the Constitution established the prohibition of alcohol. Congress then passed a 25-page law to lay out the full details of enforcement. Officially known as the National Prohibition Enforcement Act...
- [What Does a Daily Exercise Streak Have to Do with Financial Advice?](https://bernsteinfinance.com/2021/03/what-does-a-daily-exercise-streak-have-to-do-with-financial-advice/) - Today is a big milestone for me. You see, 1826 days ago - exactly 5 years - I began a streak of working out every single day without missing a day for any reason. The streak started on March 10, 2016 with the goal of working out every day for 100 consecutive days. After about 50 days, I started to wonder if I could extend the streak to an entire year, and, well, the rest is history.
- [Market Timing in the Stock Market Is a Great Way to Lose Money.](https://bernsteinfinance.com/2020/03/market-timing-in-the-stock-market-is-a-great-way-to-lose-money-2/) - Trying to avoid rough patches in the stock market, like we are currently experiencing, is an exercise in futility. It’s not fun; in fact, it can be downright scary to check the value of your investment holdings at a time like this. However, if your investments have been allocated to match your financial situation, over
- [Is Your Investment Portfolio Inoculated Against the Coronavirus?](https://bernsteinfinance.com/2020/03/is-your-investment-portfolio-inoculated-against-the-coronavirus/) - That’s a catchy title intended to, hopefully, grab your attention. Just as there is no such thing as guaranteed investment returns, there isn’t a great way to protect your investments in the stock market from the short-term roller-coaster ride that happens, when news such as the coronavirus occurs. As humans, we are always looking for
- [Should I Care If My Advisor Is a Registered Investment Advisor?](https://bernsteinfinance.com/2020/03/should-i-care-if-my-advisor-is-a-registered-investment-advisor/) - There are three broad fee structures that financial advisors can use to charge clients for their services. They are: -Commissions -Flat fee -Hybrid of the above two Does it really make a difference which of these methods are used by your financial advisor? Let’s start by acknowledging that, just as in life, there are potential
- [Snake Oil Still Doesn't Work, But Discipline Will.](https://bernsteinfinance.com/2020/04/snake-oil-still-doesnt-work-but-discipline-will/) - So often in life we want to find the easy way to attain a goal. Whether it is losing weight, getting more fit, or budgeting/managing money more successfully. Dating as far back as the 18th Century, and quite possibly much earlier, snake oil salesmen, and their like, have always been eager to prey on our

## Pages

- [Home](https://bernsteinfinance.com/) - Sound & Thoughtful Investment Advice and Financial Planning Do you worry about the ups and downs of the market? Are you looking for a way to help protect your portfolio from a stock market correction? The Better-Balanced portfolio might be for you. Over 30 years of sophisticated, high-level investment experience used to deliver simple &
- [Client Portal](https://bernsteinfinance.com/client-portal/) - Client Portal Charles Schwab Bernstein Financial Advisory utilizes Charles Schwab as our independent custodian for holding client assets. Please click the link below to log in to your account. LOG IN
- [About John Bernstein](https://bernsteinfinance.com/about-john-bernstein/) - About Us Bernstein Financial Advisory John Bernstein Founder of Bernstein Financial Advisory JOHN BERNSTEIN John Bernstein is a seasoned investment professional with more than 30 years of experience in the investment management industry. Before starting Bernstein Financial Advisory, he worked for Sit Investment Associates, an asset management firm with $13 billion* under management, which services
- [Fee Structures](https://bernsteinfinance.com/fee-structures/) - Fee Structure Bernstein Financial Advisory Investment Management & Financial Planning Bernstein Financial Advisory offers discretionary direct asset management services to advisory clients. We charge an annual investment advisory fee based on the total assets under management as follows: Assets Under ManagementAnnual FeeQuarterly Fee Up to $500,0001.50%0.375%$500,001 to $1,000,0001.25%0.3125%$1,000,001 to $10,000,0001.00%0.25%Over $10,000,0000.75%0.1875% Assets Annual/Qtrly
- [Legal Disclaimer](https://bernsteinfinance.com/legal-disclaimer/) - Legal Disclaimer Bernstein Financial Advisory Legal Disclaimer for Bernstein Financial Advisory Bernstein Financial Advisory, LLC has registered the dba name of Bernstein Financial Advisory with the State of Minnesota. Advisory services are offered through Bernstein Financial Advisory, a Registered Investment Advisor in the State of Minnesota. Whenever you invest, you are at risk of loss
- [Contact](https://bernsteinfinance.com/contact/) - CONTACT US Contact Us for a Complimentary, No-Obligation Introductory Meeting SCHEDULE A MEETING John Bernstein is a Minneapolis-based, fee-only financial advisor serving clients both locally and nationally. We can easily facilitate virtual meetings as necessary. All you need for an initial meeting is a general idea of your current financial situation, and some ideas about
- [Investment Advice and Financial Planning](https://bernsteinfinance.com/services/) - Sophisticated Investing Advice… Simplified Bernstein Financial Advisory brings sophisticated investment knowledge to your portfolio. Helping you utilize your resources to achieve your life goals, as your trusted financial partner. EXPERIENCE After a career of serving corporate executives, now we bring that investment experience and value to you and your family. DISCIPLINE Bernstein Financial Advisory is

## Categories

- [Entertainment](https://bernsteinfinance.com/category/entertainment/)
- [Investing](https://bernsteinfinance.com/category/investing/)
- [Travel](https://bernsteinfinance.com/category/travel/)
- [Market timing](https://bernsteinfinance.com/category/investing/market-timing/)
- [Financial planning](https://bernsteinfinance.com/category/financial-planning/)
- [Financial discipline](https://bernsteinfinance.com/category/financial-discipline/)
- [Investment strategy](https://bernsteinfinance.com/category/investing/investment-strategy/)
- [Business analysis](https://bernsteinfinance.com/category/business-analysis/)

## Tags

- [market timing](https://bernsteinfinance.com/tag/market-timing/)
- [entertainment](https://bernsteinfinance.com/tag/entertainment/)
- [speakeasy](https://bernsteinfinance.com/tag/speakeasy/)
- [bar](https://bernsteinfinance.com/tag/bar/)
- [financial advice](https://bernsteinfinance.com/tag/financial-advice/)
- [financial discipline](https://bernsteinfinance.com/tag/financial-discipline/)
- [investment advice](https://bernsteinfinance.com/tag/investment-advice/)
- [portfolio diversification](https://bernsteinfinance.com/tag/portfolio-diversification/)
- [Peloton](https://bernsteinfinance.com/tag/peloton/)
- [business analysis](https://bernsteinfinance.com/tag/business-analysis/)
- [travel](https://bernsteinfinance.com/tag/travel/)
- [diversify](https://bernsteinfinance.com/tag/diversify/)
- [investment strategy](https://bernsteinfinance.com/tag/investment-strategy/)