David Berns

Helping families and individuals in Sarasota prepare for retirement and beyond.

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HD Money David Berns
Sarasota, FL

Serving Clients Nationwide

Helping families and individuals in Sarasota prepare for retirement and beyond.

2 Certified Advisor Reviews™
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Areas of Focus

  • Investment Management
  • Retirement Planning
  • Social Security
  • Taxes
  • Women & Wealth

About Me

Hi, I'm David Berns, a fiduciary investment advisor at HD Money here in Sarasota, FL and St. Petersburg, FL. I specialize in comprehensive financial plan development, topic research, and personalized financial education. I believe that truly comprehensive financial advice can provide the clarity and confidence necessary for families to implement their own well-informed decisions.

I enjoy getting to know my clients and what their dreams and goals are, helping them create their own financial blueprint. Retirement planning can be compared to hitting a moving target, life happens and things can change.

Having a plan that addresses the risks along the way is essential to being able to navigate changes that do occur. Any quality retirement plan starts with a review of your goals and spending needs. We will then analyze your current assets and income sources, such as pensions, IRA's, 401K's, 403B's, and social security.

We spend a lot of time on the front end helping you avoid any potential mistakes that can be made in retirement planning.

Prior to joining HD Money, I was a financial advisor with Truadvice Wealth Management and spent almost a decade as a Private Client Banker and Advisor for JPMorgan Chase and Wells Fargo.

I received my Bachelor of Arts in Finance and Psychology from The University of South Florida. I'm currently enrolled at The American College of Financial Services, where I'm preparing to earn the Retirement Income Certified Professional designation. I hold the FINRA series 6, 63, and 65 licenses.

➕ On a Personal Note:

In my spare time, my family and I enjoy playing tennis, pickleball, and volleyball. I am also a volunteer with Habitat for Humanity, Junior Achievement, and Instride. We also love taking our rescue dogs, Calvin and Cooper all around town.

I'm also a member of The Society for Financial Awareness, a 501(c) Non-Profit Organization that provides financial literacy to the local Sarasota community.

Professional Designations

  • Retirement Income Certified Professional (RICP)

Affiliations

  • Financial Planning Association

Primary Location

3322 Bee Ridge Rd, Sarasota, FL 34239

Additional Locations

📍 360 Central Ave, Suite 1210, St. Petersburg, FL 33701

Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Flat Fee
  • One-time Financial Plan
  • Percentage of Assets Managed

What to expect in the first meeting

During our first meeting, our conversation is to spend some time understanding what's truly most important in your life. No need to bring anything or prepare anything. All you have to do is sit back and talk about yourself!

Offers Investment Management

Yes

About our Firm

HD Money, based in Sarasota and St. Petersburg, Florida, is your one-stop financial advisory team. With expertise in wealth management, tax planning, estate planning, and investment advice, we’re here to guide you toward your financial goals. We also partner with Sarasota Memorial Hospital to help their employees understand their benefits and their 403B plan.

As an independent firm, we prioritize your unique needs, offering personalized solutions for your financial journey. There’s no one-size-fits-all approach here; instead, we carefully tailor our services to meet your specific requirements.

The HD Money Difference

At HD Money, we tailor financial plans to transform your goals into reality. Whether you’re starting out or nearing retirement, our personalized approach ensures we’re with you every step of the journey, helping you achieve financial success at any stage of life.

✔️ WEALTH MANAGEMENT

HD Money provides tailored wealth management services to synchronize all aspects of your financial plan. Our team constructs plans to instill confidence in achieving both short- and long-term success, prioritizing financial security.

✔️ INVESTMENT PLANNING

Maximizing savings requires strategic investment management aligned with financial objectives. HD Money tailors investment strategies to fulfill diverse goals, offering guidance, expertise, and education for disciplined decision-making in all market conditions.

✔️ ESTATE & LEGACY PLANNING

HD Money provides tailored wealth management services to synchronize all aspects of your financial plan. Our team constructs plans to instill confidence in achieving both short- and long-term success, prioritizing financial security.

✔️ TAX MITIGATION

Taxes are one of the single largest expenses we have, yet people spend little time considering the effect taxes have their finances. HD Money assesses tax implications, collaborating with you and your tax advisor to optimize after-tax income for both short and long-term financial goals.

✔️ LONG-TERM CARE

At HD Money, we craft customized insurance plans to safeguard your financial future, providing peace of mind against unexpected expenses and ensuring stability for you and your loved ones.

✔️ INSURANCE PLANNING

HD Money provides tailored wealth management services to synchronize all aspects of your financial plan. Our team constructs plans to instill confidence in achieving both short- and long-term success, prioritizing financial security.

Education

Bachelor of Arts in Psychology, with a minor in Finance from The University of South Florida

Volunteer Experience

I currently volunteer with Habitat for Humanity, Junior Achievement, and The Society for Financial Awareness.

Hobbies and Interests

  • Animal Rescue
  • Beach
  • Family
  • Football
  • Golf
  • Pickleball
  • Sports
  • Tennis
  • Volleyball
  • Volunteering
  • Working Out

Who We Serve

  • Baby Boomers
  • Couples
  • Divorce
  • Dual Income Family
  • Families
  • Gen X
  • Gen Y / Millennials
  • Healthcare Professionals
  • Individuals
  • Investors
  • Living in Retirement
  • Newly Engaged / Newlywed
  • Nonprofit Employees
  • Parents
  • Physicians
  • Single Women
  • Widow
  • Women in Transition
  • Women Professionals
  • Young Families

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

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Finally a financial plan I can follow!

✅ Wealthtender Certified Advisor Review™
Oct 31, 2024
Working with David as my financial advisor has been one of the best decisions I’ve made. From our first meeting, it was clear he wasn’t just interested in numbers—he genuinely cared about my financial goals, my peace of mind, and my future. As a retiree, it helps me sleep at night knowing I will be ok and not run out of money. I appreciate how he explains complex concepts in a way that makes sense to me, and I never feel pressured or rushed into any decision. David and his team at HD Money are the best!
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Carole Mitchell
Carole Mitchell

Working with David was so refreshing!

✅ Wealthtender Certified Advisor Review™
Oct 29, 2024
After meeting other advisors in my area and then online, I felt comfortable working with David. He took the time to get to know me and my family and was never pushy trying to sell me anything. I feel like I have a plan to follow and what to expect moving forward. In the past, I felt like my advisor was only focused on my investments and not the rest of my life. Thanks David!
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Denise White
Denise White