CKB Management

About Us

Chris Bernaski is the esteemed CEO of CKB Management Inc, a distinguished financial services firm established in 2015. With over a decade of honed expertise in the financial services sector, Chris specializes in crafting meticulous pension strategies, harnessing the power of instruments such as Social Security, 401(k)s, and IRAs.

In addition to his exemplary financial acumen, Chris has also spearheaded several successful ventures in the Senior Health Care domain. Through his adept guidance, numerous families have been empowered to navigate and strategically mitigate one of retirement’s paramount risks—the burden of healthcare expenses.

As a Mortgage Broker, Chris understands that purchasing a home is one of the most significant financial decisions you’ll ever make. Chris is committed to guiding you through the mortgage process, providing expert advice and access to a wide range of lending options. Whether you’re a first-time homebuyer or looking to refinance, you can expect Chris to work tirelessly to find the mortgage solution that best fits your needs and financial situation.

Renowned for his mastery in leveraging the intricacies of the US tax code, Chris is dedicated to empowering families to establish tax-efficient generational wealth. His unwavering commitment to delivering personalized financial solutions has earned him the trust and admiration of clients across diverse demographics. With a profound understanding of the importance of life insurance in comprehensive financial planning, Chris assists his clients in selecting suitable policies tailored to their individual needs, ensuring their loved ones are protected in the event of unexpected life events.

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What We Offer

Our Services

At CKB Management, we specialize in guiding our clients through the complexities of mortgage financing, ensuring they secure the best terms for their home purchases or refinancing needs. Our retirement planning services are tailored to help individuals and families achieve their long-term financial goals, providing personalized strategies to build wealth and secure a comfortable retirement. Additionally, we offer comprehensive insurance solutions to protect our clients and their loved ones, covering life, health, property, and casualty needs with customized policies designed to provide peace of mind.

Retirement Planning

Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face.

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Mortgage

Elevate your homebuying experience with our comprehensive mortgage services featured on our website. From personalized rate comparisons to expert guidance through the application process, we’re here to simplify your journey to homeownership.

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Life Insurance

The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible.

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Testimonials

What Our Clients Say

Chris has been invaluable in assisting my husband and I in understanding and positioning our various retirement accounts to maximize our funds for our retirement years after years of saving. Having recently retired, we had 401Ks, IRAs, Life Insurance, etc. His sincere concern and excellent knowledge of the various investment options and tax implications gave us utmost confidence in his advice and recommendations.

Janelle H

I’ve worked with Chris on 4 separate occasions with regards to cash-outs and refinances on my rental properties I’ve always received the best rates and more importantly I love his attention to detail in making sure all our deals got funded!

Jorge B

Chris Bernaski is a pleasure to work with. He is genuinely interested and vested in providing the best solution to his clients. He is highly knowledgeable and informed in the financial & insurance industry standards and best practices. A man of integrity, I plan to continue consulting him for financial guidance and advice with confidence that he has my best interest at heart.

Funmi A

CKB Management

Frequently Asked Questions

How do I determine the right amount of life insurance coverage for my family?
Calculate your life insurance needs by considering factors such as your income, outstanding debts, future expenses, and your family’s financial goals. A rule of thumb is to have coverage that is 5-10 times your annual income.
How can I improve my credit score to qualify for a better mortgage rate?
Boost your credit score by paying bills on time, reducing outstanding debts, and disputing inaccuracies on your credit report. A higher credit score can lead to lower interest rates and more favorable mortgage terms.
What are the different types of mortgage loans, and which one is best for me?
Common mortgage types include fixed-rate, adjustable-rate, FHA, and VA loans. The best option depends on your financial situation, risk tolerance, and long-term plans. Consult with a mortgage advisor to determine the most suitable choice for
What are the key differences between term life and whole life insurance policies?
Term life insurance provides coverage for a specified term, typically 10, 20, or 30 years, while whole life insurance offers coverage for your entire life and includes a cash value component. Term is often more affordable, while whole life provides lifelong protection and a cash savings element.
How do I determine how much I need to save for retirement?
To calculate your retirement savings goal, consider factors such as your desired retirement age, expected lifestyle, and estimated expenses. Utilize online calculators or consult a financial advisor for a personalized assessment.
How can I create a retirement plan that aligns with my financial goals and lifestyle?
Work with a financial professional to assess your current financial situation, set realistic retirement goals, and create a customized plan. Regularly review and adjust your plan as circumstances change.

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