David Bernarde

Dave entered the insurance business in 1987. He worked as a captive and later as an independent multi-lines agent. In 2001 he focused his efforts exclusively on the small business owner and their employee benefit plans.  

His commitment to the business owner put him on the same side of the table in negotiations with insurance carriers and administrative platforms for retirement plans. This gave him a front row seat in the theater of the struggles a business owner goes through to make a profit.

In his evolving relationship with these business owners, he learned that as quickly as a business became profitable, they took on a silent partner. One that provided no support or assistance but demanded a percentage of every single dollar of profit. The IRS gets the first claim on profits and provides zero value for that claim. Consequently, lowering the exposure to the IRS claim on profits, legally and ethically, became a new focus. Structuring benefit plans in a way that allows the business owner to keep more of their hard-earned profit became a passion.    

That passion led him to an affiliation with Bob Ross when they met at a tax mitigation conference for small business owners. Together, they have assembled a team of industry professionals with specialties in different areas of tax mitigation. They work together to serve both small business owners and individuals and families that face significant tax liability because of their success. He works from his office in De Pere, Wisconsin while serving his clientele all over the United States. He takes great pride in offering his clientele access to world class tax planning from the comfort of their office chair.