Di Bello Financial, Inc.
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    • Home
    • About Us
      • Team Members
      • Licenses & Memberships
      • Awards
      • NAPFA Fiduciary Oath
    • Services
      • Specializations
      • Fees
    • Client Logins
    • Resources
      • Videos
      • Downloads
      • Charity
      • Our Partners
      • Photo Gallery
    • Blog
    • Contact
Di Bello Financial, Inc.
  • Home
  • About Us
  • Services
  • Client Logins
  • Resources
  • Blog
  • Contact

(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

Di Bello Financial CPA, CFP® is 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

Di Bello Financial CPA, CFP® is a Boutique Fee-Only Fiduciary Firm. Serving the complex needs of high net worth clients 

Tax Free Income

With the multitude of tax law changes in the recent past and more on the horizon, tax planning has never been more important and the lure of tax deferred and tax free accounts and income increasingly more beneficial.

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Our Approach

Di Bello Financial is 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 managed in house using individual high quality, mainly dividend paying large 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 dividend paying stocks, investment grade bonds and a variety of index 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
  • 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)

Our Founder

Annette Di Bello, CPA, CFP®

Annette, the firm's founder and CEO, brings over 30 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

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. 

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. This allows us to be unbiased in selecting investments, thus creating high quality, low fee, conflict free and fully transparent portfolios.

Awards & Recognitions

We are proud to announce that Annette has won the Five Star Wealth Manager Award three years in a row, 2019-2021!  This prestigious award was given to only 7% of Orange County Financial Advisors considered as seen in Forbes & Orange Coast Magazine.

Congratulations Annette! 

Forbes mAGAZINE
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Fee Only Financial Planner

Is Your Financial Advisor Fee Only, Fiduciary, Independent?

Contact Us

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 | Fee-Only Fiduciary

9870 Research Drive, Irvine, CA 92618, US

(949) 716-7050

Hours

Open today

09:00 am – 05:00 pm

“Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn't, pays it.”
― Albert Einstein

Copyright © 2021 Annette Di Bello, CPA, CFP, Professional Corporation - Di Bello Financial - All Rights Reserved. 

Disclaimer: All information herein at Annette Di Bello, CPA, CFP, Professional Corporation - Di Bello Financial 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 - Di Bello Financial 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 - Di Bello Financial's 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 - Di Bello Financial's specific advice is prepared only within our contract agreements on a client by client basis. Past performance may not be representative of future results.