If there’s someone who keeps the wheels turning behind the scenes at Threefold, it’s Julie Bernicoff – our brilliant Adviser Support Team Manager and the ultimate Smooth Operator. With a sharp eye for detail, a knack for organisation, and a dash of Julie magic, she ensures our advisers have everything they need to deliver top-notch service to our clients.

Julie’s been part of the Threefold journey since day one, joining the team when the company launched in 2014. Her mission? Build efficient systems, create clear processes, and ensure everything runs like clockwork. With decades of experience under her belt, Julie’s also the go-to mentor for new team members, sharing her wisdom to help them grow into their roles and confidently support our clients’ financial goals.

So, what’s Julie’s favourite piece of financial advice? “Pay off your mortgage as fast as you can. Look for ways to make overpayments or lump-sum repayments regularly – you’ll thank yourself later!” For Julie, this isn’t just a strategy; it’s a recipe for peace of mind and long-term financial freedom.

But it’s not all systems and spreadsheets for Julie. When she’s not leading the team, you’ll often find her plotting her next adventure. Her love for travel started “when she was young, free, and single” (as she cheekily puts it) and only grew when she began exploring the world with her husband and daughter. London is her special place – it’s where she met her husband, bought her first home, and welcomed her daughter. Today, Europe remains her favourite stomping ground, offering opportunities to reconnect with loved ones scattered across the globe.

Closer to home, Julie’s weekends are all about good food, great friends, and even better conversation. She loves cooking up a storm, entertaining guests, and joining her “Sunday Therapy Team” – a tight-knit group of friends who walk, talk, and swap life advice over coffee.

Julie’s guiding motto, passed down from her mum, says it all: “You’re not born lucky; you make your own luck in life.” And that’s exactly what Julie does for Threefold – making her own kind of luck to keep everything running smoothly, so the entire team can shine.

Here’s to Julie – our organisational wizard, travel aficionado, and the glue that holds us all together.