Why San Diego Clients Choose Di Bello Financial
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
Planning Examples for San Diego Clients
Explore planning examples for executives, professionals, business owners, and families navigating equity compensation, stock options, liquidity events, retirement planning, and tax-efficient investing.
Who We Work With in San Diego
• High-net-worth families and individuals
• Executives and employees with equity compensation
• Business owners and founders
• Retirees managing distribution and tax strategy
Managing Concentrated Stock Positions
How We Allocate Client Portfolios
We work with a selective group of clients who place $1 Million or more in investable assets under our management.
Planning Strategies for San Diego Clients
Learn how integrated tax planning can support investment, retirement, and wealth-management decisions.
Our Approach
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.
Meet the Founder
Annette Di Bello, CPA / PFS, CFP®
Annette founded Di Bello Financial in 2012 after seeing too many investors — including many in San Diego — carrying portfolios with unnecessary tax drag, hidden fund expenses, and no coordinated tax strategy. She works directly with every client; there are no junior advisors or handoffs.