Golden Bell Financial Planning, LLC

Golden Bell Financial Planning provides discretionary portfolio management and integrated financial planning to individual and high‑net‑worth clients, delivering ongoing asset management while bundling financial planning services for asset management clients rather than offering stand‑alone planning. The firm reports $208.6 million in discretionary assets under management and generally requires a $2,000,000 aggregate portfolio minimum, with the firm retaining discretion to accept smaller accounts in select circumstances.

Investment management is guided by an evidence‑based investing framework that emphasizes strategic asset allocation and factor tilts (value, momentum, quality, and trend) implemented mainly through mutual funds and ETFs. Portfolios are managed using model portfolios — from the all‑equity Capital Growth Plus model to the conservative Enhanced Capital Preservation model — with a focus on rebalancing, tax‑efficient implementation and opportunistic tax‑loss harvesting consistent with each client’s tailored investment policy statement.

Noteworthy features for this firm relative to peers include a high level of assets per advisor — the firm manages over $200 million with a very small adviser team — a profile that is uncommon among supported firms. The firm also relies on Schwab Institutional for custody and institutional support, prohibits advisor participation in IPOs, and conducts annual surprise custody verification procedures while incorporating planning topics that range broadly from tax and estate matters to Social Security and insurance analysis.