Bernard T. Garrah Jr. is a Wealth Advisor and Principal at Tempo Wealth, with over 29 years of experience in financial planning and wealth management. Based in Cleveland, Ohio, he provides fiduciary-driven financial solutions to a diverse clientele. His expertise lies in guiding executives and professionals through the complexities of executive compensation plans, ensuring they maximize their financial benefits while securing their long-term financial independence.
Bernard's practice is centered on comprehensive financial planning, with a strong emphasis on investment management, retirement income planning, and tax reduction strategies. He specializes in working with executives from publicly traded and privately held companies across the United States, offering tailored guidance on a range of executive compensation plans, including:
- Incentive Stock Options (ISOs): Equity-based compensation that provides tax advantages.
- Stock Appreciation Rights (SARs): Cash or stock bonuses tied to stock price increases.
- Long-Term Incentive Plans (LTIPs): Performance-based rewards for long-term goals.
- Restricted Stock Units (RSUs): Company shares granted as part of compensation.
- Deferred Compensation Plans: Arrangements to defer income for tax and retirement planning.
His fiduciary approach ensures that client interests are prioritized, with strategies designed to optimize company benefit programs and build additional investment and tax-efficient portfolios. Bernard’s ability to navigate complex financial landscapes has earned him a reputation as a trusted advisor for high-net-worth individuals and corporate executives.
Bernard holds a bachelor’s degree in Finance from Virginia Polytechnic Institute & State University, providing a strong foundation for his career in wealth management. Bernard remains actively engaged in the financial community, regularly sharing market insights and updates through professional platforms like LinkedIn. His posts on market trends and financial planning demonstrate his dedication to client education and staying current with industry developments
Residing on the west side of Cleveland with his wife, Lori, daughter Hanna, and their two dogs, Bernard maintains a balanced lifestyle that complements his professional endeavors. His personal interests include:
Traveling: Exploring new destinations with family.
Family Activities: Spending quality time with his wife and daughter.
Culinary Exploration: Trying new restaurants and cuisines.
Leisure Activities: Watching sports and home improvement shows.
These pursuits reflect his commitment to family and community, adding a personal dimension to his professional profile.
