What Makes Our Boutique Approach Different

Clients choose Di Bello Financial for a tax‑first, founder‑led approach that rises far above generic financial planning. Most affluent investors have a financial advisor and a CPA. Unfortunately, those professionals often work independently.

At Di Bello Financial, tax planning and wealth management are integrated under one advisor, allowing major financial decisions to be evaluated through both an investment and tax lens. We anticipate tax consequences before investment decisions are made and provide the individualized depth, attention, and continuity that only a boutique fiduciary firm can deliver.

We work with a selective group of clients who place $1,000,000 or more in investable assets under our management and who value deep expertise and a highly personalized advisory relationship.

What you receive:

• Direct access to the founder a CPA / PFS & CFP®— no junior advisors, no handoffs

• Portfolios built in‑house using individual stocks, bonds, and ETFs—no mutual funds, no out-sourced portfolio models

• Tax‑efficient strategy integrated year‑round, not just at year‑end

• Fee‑only fiduciary with a selective client roster

• Registered Investment Advisory Firm Founded in 2012

• Founder has over 35 years of progressive accounting, tax, investment and financial planning experience with over two decades advising high net worth clients

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Our Founder

Annette Di Bello, CPA / PFS, CFP®

“I founded Di Bello Financial in 2012 to provide individuals, families, and business owners with a more thoughtful, tax-smart approach to wealth management. Throughout my career, I've seen many investors with portfolios that generated unnecessary taxes, contained hidden internal fund expenses, and lacked a coordinated tax strategy.

That's why we build diversified portfolios in-house using carefully selected individual stocks, bonds, and ETFs. This approach provides greater transparency, control, and flexibility while allowing us to actively manage taxes throughout the year—not just at year-end—to help maximize after-tax outcomes.

If you're looking for a boutique wealth management firm that integrates customized investment management with proactive, year-round tax planning, and you have $1,000,000 or more in investable assets to place under our management, I would welcome the opportunity to speak with you.”

The Power of a CPA / PFS & CFP®

Reduce Tax Drag on Wealth

Coordinate Complex Financial Decisions

Tax-aware investment management and proactive planning designed to help keep more of what you earn.

Coordinate Complex Financial Decisions

Investment, retirement, estate, and tax strategies evaluated together rather than in separate silos.

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One Trusted Advisor

Coordinate Complex Financial Decisions

One Trusted Advisor

A single relationship that integrates wealth management and tax expertise, reducing conflicting advice and improving efficiency.

Featured Insights and Case Studies

Explore our latest perspectives and case studies on tax-smart wealth management, retirement planning, and strategies designed to help affluent individuals, families, business owners, and executives make more informed financial decisions. Case studies are hypothetical examples for illustrative purposes only.

Case Study: A Concentrated Stock Position, Diversified Without a Tax Hit

A long-time employee held a significant portion of net worth in a single company stock. We built a multi-year strategy to reduce that risk while managing the tax consequences of selling.

Read the full case study

Case Study: Turning a Business Into a Bigger Retirement Plan

A high-earning business owner wanted to save more for retirement than standard plan limits allowed. A cash balance plan layered on their 401(k) significantly increased tax-deferred contributions.

read the full case study

How Business Owners Can Build Tax-Efficient Retirement Wealth

For many business owners, the business itself becomes the primary retirement asset. While growing a successful company is important, relying solely on a future sale can create significant financial and tax risks.

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Why We Use Individual Stocks Instead of Mutual Funds

This approach can provide greater control over taxes and capital gains, eliminate internal expense ratios on individual stocks and bonds, and keep overall ETF expenses minimal. It also allows for more precise tax-loss harvesting, direct ownership, and full transparency into portfolio holdings. The goal is to improve after-tax, after-expense outcomes while maintaining disciplined diversification and risk management.

Learn more

Visit FAQ Page for Q&As

What's the Difference Between a CFP® and a CPA/PFS?

Both are widely considered the gold standard designations in their respective fields, and it's rare for a single advisor to hold both. Here's what each brings to the table.

read the full answers

What Does "Fee-Only" Really Mean?

Fee-only advisors are paid exclusively by clients — no commissions, no product sales, no hidden conflicts of interest. Here's how that differs from "fee-based."

Read the full answers

Visit the FAQ Page for Additional Q&A

Read additonal questions

Copyright © 2026 Annette Di Bello, CPA, CFP®, Inc. | Di Bello Financial - All Rights Reserved. Disclaimer: All information herein at Annette Di Bello, CPA, CFP®, Inc. | Di Bello Financial is for informational purposes only. This information does not constitute a solicitation or offer to sell securities or investment advisory services. Fee -Only Fiduciary.

Annette Di Bello, CPA, CFP®, Inc. | Di Bello Financial is a Registered Investment Advisor transacting business in California, Arizona and other states in which we qualify for exemptions. Registration does not imply a certain level of skill or training. Nothing contained herein Annette Di Bello, CPA, CFP®, Inc. | Di Bello Financial 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®, Inc. | 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.

Headquartered in Mission Viejo, California, with client meeting locations available by appointment in Los Angeles and North San Diego County, Di Bello Financial proudly serves clients throughout Orange County, Los Angeles County, San Diego County and Southern California.

Headquarters: 27201 Puerta Real, Suite 300, Mission Viejo, CA 92691

Additional Client Meeting Locations: 355 S Grand Ave, Suite 2450, Los Angeles, CA 90071| 2173 Salk Ave, Suite 250, Carlsbad, CA 92008

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Tax-Smart Wealth Management for High-Net-Worth Clients

Tax-Smart Wealth Management for High-Net-Worth Clients

What Makes Our Boutique Approach Different

Our Services & Approach