Fee Only Investment Management

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At Di Bello Financial, we provide personalized investment management for high-net-worth individuals, families, business owners, executives, and retirees who value a disciplined, tax-aware approach to building and preserving wealth.

As a fee-only fiduciary, we receive no commissions or compensation from investment products. Every recommendation is made solely in your best interest and coordinated with your broader financial and tax strategy.

Rather than relying on one-size-fits-all portfolios, we tailor every investment strategy to your objectives, risk tolerance, liquidity needs, and long-term financial goals.

Want to learn how we research investments and build portfolios? 

Visit our Our Investment Process page for a detailed overview of our investment philosophy and methodology.

What We Provide

Our investment management services include:

• Personalized portfolio management
• Active investment oversight
• Tax-efficient investment strategies
• Retirement income planning
• Risk management and portfolio rebalancing
• Coordination with financial and tax planning
• Ongoing performance reporting
• Direct communication with your advisor

Why Fee-Only Matters

As a fee-only Registered Investment Advisor, our compensation comes exclusively from our clients—not from commissions or product sales.

That means our advice is designed around your financial objectives rather than incentives tied to investment products.

Integrated Investment & Tax Planning

One of the defining characteristics of our firm is the integration of investment management with proactive tax planning.

As both a CPA/PFS and CFP® professional, Annette Di Bello evaluates investment decisions alongside their tax consequences to help clients make more informed long-term financial decisions.

Our advice may include:

• Tax-loss harvesting
• Capital gain planning
• Roth conversion coordination
• Asset location strategies
• Withdrawal planning
• Charitable giving strategies
• Concentrated stock planning

Who We Serve

Our clients commonly include:

• High-net-worth individuals and families
• Business owners
• Corporate executives
• Physicians and other professionals
• Retirees
• Individuals approaching retirement
• Investors with concentrated stock positions

Many clients come to us seeking an advisor who can coordinate investments, taxes, retirement planning, and long-term wealth management under one relationship.

Independent Custody

Client assets remain in accounts held directly with an independent third-party custodian, including Charles Schwab & Co., Inc.

We do not take custody of client assets.

This structure provides:

• Independent account custody
• Direct client access to accounts
• Transparent reporting
• Separation between asset custody and investment management
• An additional layer of accountability

Frequently Asked Questions

Do you actively manage portfolios?
Yes. Portfolios are reviewed continuously and adjusted when appropriate as client circumstances, market conditions, and tax considerations evolve.

Do you use mutual funds?
When appropriate, we generally emphasize individual securities and low-cost ETFs to provide flexibility, transparency, and tax efficiency.

Can investment management be coordinated with tax planning?
Yes. Coordinating investment decisions with proactive tax planning is one of the defining characteristics of our firm.

Who do you typically work with?
We primarily serve affluent individuals, families, business owners, executives, professionals, and retirees seeking personalized investment management.

Learn More About Our Investment Process

Investment management is more than selecting investments. Learn how we conduct research, construct portfolios, manage risk, integrate tax strategy, and monitor investments over time.

→ Explore Our Investment Process