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Objective Guidance for Professionals
55 and Up

emailinfo@berglandwealth.com
Tel: (601) 956-5181
Toll-Free: (800) 588-3517

COVID-19 Update: We have not experienced any disruption to our firm. 


We remain committed to providing the highest level of service to our clients and remain available to potential clients who are interested in evaluating our firm. 


"Finally, an advisor who addresses all our concerns
so we can work together on a comprehensive strategy."



You have been around. You have seen it. After medical school or your chosen advanced degree, you set out on building a career. You are smart and successful. Yet the demands of family and career have left you little time to focus on finances. The financial practitioners you have met so far were more oriented to their products than an overall strategy, but it was a way to get money put away for later. Now you realize the importance of a comprehensive plan. 

You want to get your financial matters organized so you can make informed, smart decisions, to maximize the probability of achieving all those things that are most important to you. 

We can help. 



Our clients typically fall into two categories: specialty physicians or retirees.  We work with professionals, primarily physicians, in the prime of their careers. They are smart, successful, and so busy they have trouble finding the time to organize and plan their finances. They seek an advisor but, even if they had the time, they are not sure where to look. Most have dealt with enough financial salespeople to know what they don’t want.  

Some of their top concerns include:

  • Accounts spread across different institutions and prior employers
  • Questions outside the expertise of their current advisors
  • Finding a way to pull everything together so that it is easier to manage
  • Making sure their spouse or family has a continuity of care if anything happens to them

Our mission is to guide you through a comprehensive plan. You want to make smart, informed decisions to achieve what’s most important to you. We are focused on attending to the details and moving you forward in a well-thought-out strategy. We always serve in the role of fiduciary. Learn more about the benefits of working with a fiduciary here.  


One client’s story illustrates how we are different.


“We knew we needed to talk to a different kind of advisor” reported the physician who had been referred to us.
They had questions about reducing taxes, estate planning, and managing their investment portfolio.
But every meeting with the previous advisor was about buying something new.

“Every time the advisor visited, he found some new risk if one of us passed away. So we bought more life insurance.
It got to the point where we realized we didn’t have a plan because we were continually buying something new. We realized there had to be a better way”


Our approach is different. We do not sell products.



"It's not just about your money. It's about living your Ideal Life.®"
-John E. Bergland, Jr

We develop a comprehensive, personalized analysis of the full range of your financial needs and develop recommendations that touch each area of your overall financial strategy. 

Developing your strategy may include:

  • Cash Flow Planning
  • Reviewing Your Tax Returns
  • Analyzing your portfolio
  • Reviewing pre-retirement and post-retirement income strategies
  • Reviewing your current estate plan
  • Reviewing your beneficiary designations
  • Wealth Protection
    (disability, premature death, catastrophic medical expenses, legal risks)
  • Discussing charitable giving





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The Informed Investor
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Services

Investment Consulting is the management of all investment elements to maximize the probability of your achieving all that is important to you.
This includes:

  • Portfolio performance analysis
  • Risk evaluation
  • Asset allocation
  • Assessment of impact of costs
  • Assessment of impact of taxes
  • Investment Policy Statement


We take a structured approach to investing. Avoiding short-lived investments fads, we instead focus on the efficiency of the global markets. Markets work. Why not let the markets work for you? By diversifying across the global markets you are able to capture market rates of return but with less risk. Amazing. But true. The goal is to minimize fees, minimize turnover, minimize taxes (by being tax efficient), and be globally diversified so as to minimize uncompensated risk from your portfolio.

Following our investment philosophy we help you:

  • Minimize fees
  • Maintain broad global diversification across asset classes
  • Minimize turnover
  • Invest globally in the global markets where expected returns come from

Wealth Management consists of three components: Investment Consulting, Advanced Planning, and Relationship Management.

Investment Consulting

is the management of all investment elements to maximize the probability of you achieving all that is important to you.

Advanced Planning

goes beyond investments to address other areas of financial challenges or concerns ranging from wealth protection, wealth enhancement, wealth transfer, and charitable giving.

Relationship Management

centers around three different groups: the client, the client's other professionals, as well as our professional network.


Our professional network includes CPA's, attorney's, as well as insurance agents. We believe open communication and collaboration among your professional team (CPA's, attorney's, insurance agent(s), etc.) makes a significant impact to the overall success of your wealth management plan.

We do not accept referral fees from other professionals; thus, there is zero conflict created by our recommendation to another professional as we are not being compensated for that referral.

We possess the qualities you seek in an advisor. As a Fee-Only, independent Registered Investment Advisory firm since 1985, we offer both investment management and wealth management services to our clients. Registered Investment Advisors are held to a Fiduciary Standard of care by both federal and state law requirements. "Broker-Dealers" are not Registered Investment Advisors and therefore are not held to the higher standard of care. When working with a Registered Investment Advisor, clients may be rest assured the advisor is required to work in the client's best interest.

Simply put, a fiduciary standard means that we put your best interests first. We are committed to providing you with the best advice we can give without any conflicts of interest. We are required to act with undivided loyalty to you and provide complete transparency and disclosure when it comes to our compensation or investment approach.

Get our free report – The Informed Investor

Our Process

Our process thoroughly addresses all aspects of a successful professional's finances and makes them easy to manage within their frantic schedules. Wealth Management consists of three components: Investment Consulting, Advanced Planning, and Relationship Management. Our consultative process addresses each of these areas in a system that coordinates with your other professional advisors.


The Bergland Story

From the Coast Guard to seminary to finding his true calling serving people as a fiduciary, the story of Bergland Wealth Management follows the journey of our founder John E. Bergland, Jr. A jarring encounter with his distraught father inspired the vision of creating a firm to guide people in their most important financial and life decisions. Read more of our story here .


Tiffany Bergland Ballard, CFP®, AIF® Photo

Tiffany Bergland Ballard, CFP®, AIF®

NAPFA-Registered Financial Advisor, President
Read Bio

I literally grew up in the wealth management business.

I come from a line of business owners like my daddy and his dad before him. Even as a child I remember visiting the office of my father’s firm, thinking how cool it was that dad owned a business. I always wanted to follow in his footsteps. So in college I majored in Entrepreneurship and Computer Technology.

After college I joined the working world in another town. But two days after 9/11 we learned Mom had terminal cancer, so I moved back to Ridgeland so I could maximize the time I had left with my mother. Mom was a CPA and worked in the family business with Dad. She began needing help in the office, so I joined Bergland Wealth Management shortly upon returning to Mississippi. As her health declined, I dedicated more time to taking care of her. 

While visiting mom one day after she had moved to hospice, one of our clients dropped by to check on her. She had become so close with my mom that my mom gave her the most precious name, “Mama B.” As Mama B talked with Mom, consoled her and tended to her, it struck me that the family business involved much more than just “customers” and “client relationships.” I realized the work that we do affects people’s lives; we affect them (and they affect us) in a manner unlike any work I’d done before. I had been with companies that did good work and served people, but this had deeper meaning. I saw first-hand how my mom and dad were having a tremendous impact on their clients lives.  That’s when I discovered my calling as I, too, wanted to have a tremendous impact on people’s lives like my mom and dad were having.  

I officially joined the firm in 2002 and became a CFP® Professional and wealth manager in 2007. I became President in 2019 as Dad ‘passes the baton’ and transitions into more of an emeritus role. I am grateful and honored to be carrying out my parents’ legacy serving people, carrying on relationships and developing new ones in the process. 

My husband, Scott and I love spoiling our dog, Cooper.  Cooper’s favorite activities are paddle boarding, kayaking, and hiking.  Fortunately, Scott and I love those activities as well.   When not spoiling Cooper, Scott and I love to travel. One of my favorite destinations thus far was the Holy Land (Israel & Jordan), which we toured in 2013 with our church family.  I will forever remember the raw emotions and feeling that overwhelmed me when standing near the Garden of Gethsemane on the Mount of Olives as my gaze traveled down the Kidron Valley and back up to the Golden Gate of the Old Temple.  That was an experience like none other.

I’m so passionate about my calling in part due to one of the last lessons my mom taught me.  She said, “Tiffany, take the time to make memories because that is all you have in the end.”  My mom passed at the age of 54.  She didn’t get to retire.  I love helping people find the balance of taking time to make memories while preparing for their retirement ‘just beyond the horizon’ and seeing their plan to the end.

 


John E. Bergland, Jr., M.Div., M.C.E., CFP®, AIF® Photo

John E. Bergland, Jr., M.Div., M.C.E., CFP®, AIF®

NAPFA-Registered Financial Advisor, Founder
Read Bio

Bergland Wealth Management celebrated its 35th anniversary in 2020.  Yet I remember the day my life’s mission was altered in that direction as if it were yesterday.

I had graduated from Louisiana Tech University, served in the United States Coast Guard, earned a Master of Divinity and Master of Education from Reformed Theological Seminary in Jackson, Mississippi, managed a U.S. Congressional campaign for a good friend, was ordained by the Presbyterian Church in America as a minister, and then a year or two later laid down my ordination vows in order to do some political work at the local and national level.   Following this I went to work for an insurance company and quickly became successful in the insurance and securities business.  But it was an unexpected conversation with my father that the Lord used to redirect my steps once again and guide me toward my true calling.  

Walking into my father’s apartment one day back in 1982, I found him standing motionless at the breakfast table staring blankly out the window at the ocean.  He said, “I just don’t understand it… why my ABCD Government Securities Bond Fund was going down.”  His words struck me like a thunderbolt because I did not know the answer or how to help him.

My dad, one of the people I respected and loved most was almost paralyzed by the fear of losing his retirement security, and I was clueless in knowing what to say or how to help.

That encounter with my father helped me to see that insurance companies, banks, and broker-dealers sell products; and selling products doesn’t address people’s problems or help them to make the wisest, most informed financial and life decisions.  My calling and my passion turned to providing fiduciary advice that would help people (like my dad) make smart decisions and maximize the probability of accomplishing those things most important to them (him) – you.  That passion led to the formation of our family corporation in 1985 with the purpose of providing families and small business owners with fee-only, fiduciary comprehensive financial planning.  That passion remains at the heart of Bergland Wealth Management to this day.

I have a passion for this business to this day and have no intentions of retiring or walking away.  However, I have passed the torch to Tiffany and I am now spending my time doing more of the things that I’ve always wanted to do.  I spend more time reading books that I have always wanted to read and I love watching sunrises and sunsets.  You may still see me in the office and occasionally I sit in on meetings purely as I love this great industry.  


Getting Started is Easy

While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us.

To help prepare for this initial call, you should have a basic idea of your current financial picture and financial goals. How are things now? Do you have any concerns? What do you hope to accomplish in the next few years and longer term?  

The first step is to schedule a complimentary 30 minute call with Tiffany.  You may use the link below or email info@berglandwealth.com.

   

30 Minute Call

Please use the form below to share whatever concern is on your mind.  

This form is not meant for sharing sensitive or personal materials.

  





Bergland Wealth Management, Inc. BBB Business Review

Fiduciary Standard

fi•du•ci•ar•yA financial advisor held to a fiduciary standard occupies a position of special trust and confidence when working with a client. As a fiduciary, the financial advisor is required to act with undivided loyalty to the client. This includes disclosure of how the financial advisor is to be compensated and any corresponding conflicts of interest.
- Focus on Fiduciary

Registered Investment Advisors are held to a Fiduciary Standard of care by both federal and state law requirements. "Broker-Dealers" are not Registered Investment Advisors and therefore are not held to the higher standard of care. When working with a Registered Investment Advisor, clients may be rest assured the advisor is required to work in the client's best interest.

Simply put, a fiduciary standard means that we put your best interests first. We are committed to providing you with the best advice we can give without any conflicts of interest. We are required to act with undivided loyalty to you and provide complete transparency and disclosure when it comes to our compensation or investment approach. 

Further, we do not pay or accept referral fees. If we recommend another professional it will be solely because they may be the right advisor for the need. Similarly, if another recommends us we want it to be because we are the right advisor and not because they are being incentivized to send us clients.