Our Approach - Tax Efficient Investing

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. Taxes play a role in every aspect of financial planning. We place great emphasis on proper tax allocation of investment accounts. Portfolios are managed for optimal tax efficiency to minimize the corrosive effect taxes can have on investments.  Furthermore, our portfolios are managed in house using individual high quality, mainly dividend paying large cap stocks, individual investment grade bonds and low cost ETFs. Portfolios are designed and managed to meet each client's unique goals, preferable tax allocation and risk tolerance. 


We focus on forming long term relationships with our clients. We work with high net worth clients to fully understand their unique financial lives indepth, tailoring financial advice to each client in order to fit their needs, 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, caring about our client's success. 


Di Bello Financial, Inc. is a member of NAPFA, The National Association of Personal Financial Advisors, the leading fee only, fiduciary professional organization dedicated to promoting the fiduciary standard. The firm is also a member of the AICPA, American Institute of Certified Public Accountants, the leading worldwide CPA organization, promoting ethical standards of CPAs while advocating for legislation and public interest groups.

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, 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.

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)

Is Now the Time to Rebalance?

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With the stock market currently touching all time highs on a regular basis, this may be a good time to take some profits off the table in preparation of a correction or downturn. 


Market corrections are regular and frequent occurances. Therefore, it is prudent to assess your overall market risk and exposure.  These rebalancing moves will help cushion the blow when the next dowturn arrives. 

Our Founder

Annette Di Bello, CPA, CFP®

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Annette, the firm's founder and CEO, brings 33 years of cumulative accounting, tax, financial planning & investing experience & holds two of the top three financial designations: CPA & CFP®.


Annette obtained her Bachelor Degree in Business Administration with a concentration in Accounting from California State University Fullerton. CSUF ranks #7 for the best accounting programs in all California Universities both public & private. 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. 


Annette must complete 170 hours of continuing education every two years, obtaining highly relevant & updated investment, tax & financial planning education. 


Visit the About Us drop down menu for additional Bio information.

Fee Only vs. Fee Based

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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 of their 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. Furthermore, 85% of the 80,000 CFP®s work for brokers and are therefore not a 100% fiduciary*. We are in the 15% of CFP®s that are true fee only and therefore 100% fiduciary.

*CFP® Board stats

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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.

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We are proud to announce that Annette has won the Five Star Wealth Manager Award two years in a row, 2019 & 2020!  This prestigious award was given to only 6% of Orange County Financial Advisors considered as seen in Forbes & Orange Coast Magazine.

Congratulations Annette! 

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NAPFA - The National Association of Personal Financial Advisors, the leading fee only organization, named Annette in their Monthly Member Spotlight; October 2018.  Congratulations Annette!

Fee Only Financial Planner

Know what Fee-Only means for you

Contact Us

Contact us to discuss your financial situation. We will schedule you for a consultation with Annette Di Bello. At this meeting Annette can go over your financial situation and discuss ways we can assist you. All initial consultations are held in our Irvine office.

Di Bello Financial, Inc. 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 greatest mathematical discovery of all time."

Albert Einstein 

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