Di Bello Financial, Inc.
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    • Home
    • About Us
      • Team Members
      • Licenses & Memberships
      • Awards
      • NAPFA Fiduciary Oath
      • Privacy Policy
    • Services
      • Fee Only Investment Mgmt
      • Tax Prep & Planning
      • Financial Planning
      • Fees
    • Resources
      • Videos
      • Downloads
      • Charity
      • Our Partners
      • Photo Gallery
    • Blog
    • Contact
    • Client Logins
Di Bello Financial, Inc.
  • Home
  • About Us
    • Team Members
    • Licenses & Memberships
    • Awards
    • NAPFA Fiduciary Oath
    • Privacy Policy
  • Services
    • Fee Only Investment Mgmt
    • Tax Prep & Planning
    • Financial Planning
    • Fees
  • Resources
    • Videos
    • Downloads
    • Charity
    • Our Partners
    • Photo Gallery
  • Blog
  • Contact
  • Client Logins

(949) 716-7050

Empowering Clients to Reach their Financial Goals

Empowering Clients to Reach their Financial Goals Empowering Clients to Reach their Financial Goals Empowering Clients to Reach their Financial Goals

Annette Di Bello, CPA, CFP®, PC

A Boutique Fee-Only Fiduciary Firm. Serving the complex needs of high-net-worth clients 

(949) 716-7050

Empowering Clients to Reach their Financial Goals

Empowering Clients to Reach their Financial Goals Empowering Clients to Reach their Financial Goals Empowering Clients to Reach their Financial Goals

Annette Di Bello, CPA, CFP®, PC

A Boutique Fee-Only Fiduciary Firm. Serving the complex needs of high-net-worth clients 

Our Approach

A unique financial planning firm offering CPA level tax expertise

We have an intensive focus on tax planning & tax efficient investing as taxes play a role in every aspect of financial planning. Accordingly, we place great emphasis on proper tax allocation of investment accounts. Portfolios are managed for optimal tax efficiency to help minimize the corrosive effect taxes can have over time on investment returns.  Furthermore, our portfolios are actively managed in house using individual high quality, mainly dividend paying large cap & mid cap stocks, individual investment grade municipal, government and corporate bonds and low cost ETFs. Portfolios are designed and managed to meet each client's unique goals, preferable tax allocation and risk tolerance. 


We work with high net worth clients to fully understand their unique financial lives in-depth, tailoring comprehensive financial advice to each client, everything from retirement planning to tax planning, investing and legacy planning. Our touchstone approach at Di Bello Financial is to guide clients through every aspect of their financial lives.  Because we are an independent fee only financial planning firm, we never sell financial or insurance products or receive commissions or compensation from any third parties. We have always been and will always be a 100% Fiduciary firm, being fully transparent and always putting our client's best interests ahead of our own. 

Our Investing Philosophy

Our investment philosophy lies in the fundamental principal of Value Investing. Our portfolios are carefully constructed after detailed financial statement analysis with high quality, publicly traded, mainly individual large cap & mid cap dividend paying stocks, investment grade bonds and a variety of ETFs. Creating balanced, quality, low fee and tax efficient portfolios. Portfolios are designed with downside protection to help mitigate risk while investments are chosen and allocated with tax planning a high priority. All accounts are individually owned directly by clients and are held at TD Ameritrade's Custodial Institutional Division.

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Our Services

  • Fee Only Fiduciary Investment Management  (Investment Minimums required, please see fee structure page)
  • Comprehensive Financial Planning (Offered to Investment Management Clients Only)
  • Tax Planning (Offered to Investment Management Clients Only)
  • Tax Preparation (Offered to Investment Management Clients Only)


Fee structure

Our Founder

Annette Di Bello, CPA, CFP®

Annette, the firm's founder and CEO, brings over 35 years of cumulative accounting, tax, financial planning & investing experience & holds two of the top three financial designations: CPA & CFP®.


This unique combination of education & expertise gives her a superior & expert perspective in the financial industry to guide clients for effective tax efficiency & planning. With expertise in financial planning, tax planning & investment management, creating an efficient coalition between all aspects of client's financial lives. 

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Fee Only vs. Fee Based

CPA

100% FIDUCIARY FEE ONLY

We are a 100% fiduciary adhering to the highest standard of a CPA. A fiduciary is someone who is legally and ethically bound to act in your best interest. Fiduciaries do not receive compensation from third parties, all compensation comes directly from clients. Not to be confused with a suitability standard, which is the standard fee based brokers adhere to. This suitability standard does not require the advisor to put the client's needs first but who's duty of loyalty is to the brokerage firm the advisor works for. Fee based brokers are compensated by third parties on mutual funds, annuities and other commissioned products. 

Certified Financial Planner

NO COMMISSIONS

We do not receive any commissions. As a "Fee Only" Independent Registered Investment Advisor firm, all our compensation comes directly from the client. We have no affiliation with any broker, insurance, annuity or fund company. Not to be confused with "Fee Based" who may charge a fee on some accounts and receive commissions from brokers, fund and insurance companies on other accounts. As a fee only advisor, there are no hidden fees, no third party bonuses or compensation, no sales of any kind of any financial or insurance products. Further, we do not use mutual funds which have inherent hidden internal and non published fees. Our in house portfolio construction allows us to be unbiased in selecting investments, thus creating high quality, low fee, conflict free and fully transparent portfolios.

Fee Only Financial Planner

Is Your Financial Advisor Fee Only, Fiduciary, Independent?

Contact Us

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Contact us to discuss your financial situation. We can go over your financial situation and discuss ways we can assist you. All initial consultations are conducted in our Irvine office.

Di Bello Financial - Annette Di Bello CPA CFP® PC

9870 Research Drive, Irvine, CA 92618, US

(949) 716-7050

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“Your economic security does not lie in your job; it lies in your own power to produce – to think, to learn, to create, to adapt. That’s true financial independence. It’s not having wealth; it’s having the power to produce wealth.” – Stephen Covey

AICPA
NAPFA
Fee Only
Newport Beach Chamber of Commerce

Copyright © 2023 Annette Di Bello, CPA, CFP, Professional Corporation - All Rights Reserved. 

Proudly serving Southern California, including Orange County, Los Angeles, Riverside, San Bernadino, and San Diego Counties.

Disclaimer: All information herein at Annette Di Bello, CPA, CFP, Professional Corporation is for informational purposes only. This information does not constitute a solicitation or offer to sell securities or investment advisory services. Annette Di Bello, CPA, CFP, Professional Corporation is a Registered Investment Advisor transacting business in California and other states in which we qualify for exemptions. Nothing contained herein Annette Di Bello, CPA, CFP, Professional Corporation website constitutes investment, financial, legal, tax or other advice, nor is to be relied on in making an investment or other decision. Annette Di Bello, CPA, CFP, Professional Corporation specific advice is prepared only within our contract agreements on a client-by-client basis. Past performance may not be representative of future results. 

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