Contractors: Turn Your Business Income Into A Paycheck For Life
For established construction firms (10+ years, 5–50 employees). We help owners save more, protect income, and create guaranteed, dependable retirement paychecks—without relying on market swings.
Built by a former mason for contractors—income-first retirement planning that speaks your language.
- Former Mason
- Since 1991
- CLTC, CAPP
- Palm Beach County and beyond
- We don't replace your CPA. We focus solely on retirement planning and income protection.
What You Get From The 20-Minute Call
Your Estimated Paycheck Range
Gap & Timeline
Protection Check
What We Help You Build
A strong financial future requires more than individual products—it requires a coordinated plan. At Bernaducci & Kugelov, we focus on the core areas that drive long-term financial stability:

Financial Planning
Creating structured, goal-driven strategies that give you clarity and direction.

Money Management
Aligning your assets with your long-term objectives through disciplined oversight.

Asset Protection
Helping safeguard what you’ve built against unnecessary risk and uncertainty.

Retirement Planning
Designing income strategies that support your lifestyle and provide long-term confidence.
Who We Work With
OUR CLIENTS TEND TO SHARE A COMMON MINDSET.
They value hard work, straightforward communication, and practical strategies that produce real results over time. Many have built their careers in industries where precision and consistency matter—and expect the same from their financial strategy.
A Process Built for Clarity and Consistency
We believe financial planning should feel structured—not overwhelming. This is not a one-time recommendation—it’s an ongoing relationship built around consistency and trust. Our process is designed to give you confidence at every stage:

Evaluate Your Current Position
We take a clear, objective look at where you stand today.

Identify Opportunities
We uncover gaps, inefficiencies, and areas for improvement.

Build Your Strategy
A personalized plan designed around your priorities and long-term goals.

Ongoing Guidance
We continue to refine and adjust your plan as your life evolves.
Have Questions? Start Here
Financial planning often comes with important questions—and you deserve clear, straightforward answers.
Whether you’re wondering when to start, what the process looks like, or how different strategies apply to
your situation, we’ve outlined the most common questions to help guide you.
Our goal is to make every step feel clear, informed, and easy to understand before you ever make a decision.
Why Bernaducci & Kugelov
Choosing a financial advisor is about more than services—it’s about alignment. Why Bernaducci & Kugelov, our approach is defined by a disciplined planning philosophy, real-world perspective, and a commitment to long-term relationships built on trust and clarity.
We don’t believe in overcomplicating the process.
We believe in building it correctly from the start.
You’ve put in the work to build your life and your financial foundation.
Now it’s time to ensure it’s structured to support your future.
Whether you’re planning for retirement, protecting your assets, or looking for a more organized financial strategy, the first step is a conversation.
