Bell Financial Planning

Bell Financial Planning provides investment management and retirement-plan advisory services to a mix of institutional and individual clients, including employer-sponsored pension or profit-sharing plans and individual investors. The firm also offers financial planning on project, hourly, and ongoing subscription bases, alongside services that support plan sponsors such as investment menu selection and fiduciary 3(21)/3(38) engagements.

The firm’s investment work relies on third‑party managers and passive, Modern Portfolio Theory–based allocations; it assists clients in selecting outside managers (TAMPs) and monitors those relationships as part of its due diligence. For defined‑contribution participant accounts and other “held‑away” plan assets it uses a third‑party platform to implement discretionary rebalancing and conducts at least quarterly reviews to align allocations with client goals and market conditions.

Compared with many peers in this regulatory category, the firm’s client mix is notable for including both non‑high‑net‑worth individuals and high‑net‑worth clients as well as retirement plan sponsors, and it explicitly facilitates the selection of other advisers rather than exclusively managing assets internally. It also uses alternative billing options uncommon in the category—hourly and project fees for planning—and routes fees for directly managed held‑away accounts through taxable accounts or direct billing when necessary, while operating on an advised custodial platform that provides ancillary support services to the firm.