Tax-Smart Wealth Management for San Diego & North County's High-Net-Worth Families & Business Owners

North San Diego County’s wealth is concentrated in biotech, life sciences, defense and technology — much of it tied to equity compensation, stock option grants, and liquidity events that come with complex, often time-sensitive tax exposure.

Most San Diego-based investors already have a financial advisor and a CPA. The problem is that those two professionals rarely coordinate. Investment decisions get made without a tax lens, and tax filing happens without visibility into the portfolio.

At Di Bello Financial, both functions sit with one advisor. That means:

• Stock options and equity compensation evaluated for tax-efficient exercise and sale timing

• Liquidity events (acquisitions, IPOs, business sales) planned with a coordinated tax strategy

• Concentrated stock positions diversified with a multi-year, tax-aware approach

• One point of contact — the founder — for every financial decision, year-round

• High-net-worth families and individuals

• Executives and employees with equity compensation

• Business owners and founders

• Retirees managing distribution and tax strategy

We work with a selective group of clients who place $1,000,000 or more in investable assets under our management.

Portfolios are built in-house using individual stocks, bonds, and ETFs — not outsourced models or mutual funds — giving San Diego clients full transparency and tax control over their holdings. Tax strategy is applied year-round, not just at filing time, so decisions are made with the after-tax outcome in mind from the start.