The common sense is that financial planning is about the distant future. At Bell Investment Advisors, we contend planning is first and foremost about the present: about being in action today, and every day, to take care of tomorrow.

Living without a well-grounded financial plan produces unnecessary worry, insecurity and anxiety. Living with a plan produces peace and confidence that you're in the right actions today to take care of tomorrow. We work with our clients to craft action plans based on what they care about most. We develop powerful, sensible strategies for taking care of an array of concerns over multiple horizons of time: from retirement, to education, to aging parents and more. Many clients count on us to integrate all of their assets into a single plan: one that provides a clear, measured, prudent path to the future. We specify what they need to save and where to invest—monthly and annually—to produce the life they want.

We believe planning is most effective as an ongoing dialogue, rather than a one-size-fits-all template. As a result, our commitment to clients is to work with them to build plans that can evolve as our clients' lives, needs and concerns evolve.

We would welcome the opportunity to discuss how the people at Bell can create a comprehensive financial plan based on your individual goals and concerns.

James F. Bell has earned the Certified Financial Planner™ certification. The CFP^® certification identifies professionals who have met the education, examination, experience and ethics standards established by the Certified Financial Planner Board of Standards. The CFP Board owns the CFP certification mark and licenses qualified individuals to use it. The growing numbers of people seeking financial advice have a right to demand qualified professionals and a high standard of ethical conduct. Professionals licensed by the CFP Board meet both criteria.

Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP^®, Certified Financial Planner™ and federally registered CFP (with flame logo) in the U.S., which it awards to individuals who successfully complete initial and ongoing certification requirements.

©2008 Bell Investment Advisors, Inc.