Company Profile: Annette Di Bello, CPA, CFP® Inc.

Background

Annette Di Bello, CPA, CFP® Inc., operating as Di Bello Financial, is a fee-only registered investment advisory firm specializing in comprehensive financial planning, investment management, and tax planning. Founded by Annette Di Bello, a Certified Public Accountant (CPA) and Certified Financial Planner (CFP®), the firm is dedicated to guiding high-net-worth clients through every aspect of their financial lives. With a strong emphasis on tax efficiency and personalized service, Di Bello Financial aims to empower clients to achieve their financial goals through transparent and fiduciary-driven practices.

Key Strategic Focus

Di Bello Financial's strategic focus centers on delivering tailored financial solutions that integrate tax planning, investment management, and comprehensive financial planning. The firm specializes in:

Tax-Efficient Investment Strategies: Designing portfolios with an emphasis on minimizing tax liabilities.

Comprehensive Financial Planning: Addressing retirement planning, legacy planning, and other financial needs.

Fiduciary Responsibility: Operating as a 100% fiduciary firm, ensuring that clients' best interests are prioritized without conflicts of interest.

Financials and Funding

As a privately held firm, Di Bello Financial operates on a fee-only basis, deriving revenue directly from client fees without accepting commissions or compensation from third parties. This structure reinforces the firm's commitment to transparency and fiduciary duty.

Technological Platform and Innovation

Di Bello Financial employs a value investing philosophy, constructing portfolios in-house after detailed financial statement analysis. Portfolios typically consist of:

High-Quality, Dividend-Paying Large and Mid-Cap Stocks

Investment-Grade Bonds

Low-Cost Exchange-Traded Funds (ETFs)

This approach aims to create balanced, low-fee, and tax-efficient portfolios tailored to each client's unique goals and risk tolerance.

Leadership Team

Annette Di Bello, CPA/PFS, CFP®
Founder & CEO
Annette brings over 35 years of experience in accounting, tax, financial planning, and investing. She holds a Bachelor’s Degree in Business Administration with a concentration in Accounting from California State University, Fullerton. Annette's dual credentials as a CPA and CFP®, along with the Personal Financial Specialist (PFS™) designation from the AICPA, provide her with a comprehensive perspective to guide clients effectively.

Brian Boyes
Business Development & Marketing Manager
Brian oversees marketing, client outreach, and business development. His background includes experience at the Pennsylvania State Treasury and studies in Business Administration and Sociology at Penn State University and Harrisburg Community College. He has also attended digital marketing classes at California State University, Fullerton.

Nichole Gati, FPQP™
Client Services and Financial Paraplanner Qualified Professional™
Nichole supports financial planning, administrative tasks, and client services. She holds the Financial Paraplanner Qualified Professional™ designation from the College for Financial Planning.

Competitor Profile

Market Insights and Dynamics

The financial advisory industry is highly competitive, with a growing demand for personalized, tax-efficient investment strategies, especially among high-net-worth individuals. Clients increasingly seek fiduciary advisors who operate transparently and prioritize their best interests.

Competitor Analysis

Di Bello Financial operates in a competitive landscape that includes several notable firms:

Chatterton & Associates: Offers comprehensive financial planning and investment management services.

Edward Jones: Provides personalized investment advice and financial planning through a network of advisors.

Life By Design Investment Advisory Services: Focuses on tailored financial solutions for individuals and families.

Tangeman Wealth Management: Specializes in fee-based investment advice and financial planning for high-net-worth clients.

These competitors offer similar services, emphasizing the importance of differentiation through personalized service, tax expertise, and fiduciary commitment.

Strategic Collaborations and Partnerships

Di Bello Financial has selected Charles Schwab & Co., Inc. as the primary custodian for clients' accounts. This partnership provides access to a wide range of services, including investment products, trading services, and technology support, enhancing the firm's ability to serve clients effectively.

Operational Insights

Di Bello Financial's commitment to a fee-only, fiduciary model distinguishes it from many competitors who may operate on a commission-based structure. The firm's emphasis on tax-efficient investment strategies and comprehensive financial planning positions it as a preferred choice for high-net-worth clients seeking personalized and transparent financial services.

Strategic Opportunities and Future Directions

The firm is well-positioned to capitalize on the growing demand for fiduciary financial advisors who offer integrated tax and investment planning. By leveraging its expertise and maintaining a client-centric approach, Di Bello Financial aims to expand its client base and continue delivering value-driven financial solutions.