Dustin Bell, CFP®
Flat-fee wealth management for those approaching or in retirement
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Serving Clients Nationwide
Flat-fee wealth management for those approaching or in retirement
Areas of Focus
- Budgeting
- Cash Flow
- Estate Planning
- Insurance
- Investing
- Retirement Planning
- Saving for College
- Tax-Efficient Planning
About Dustin Bell, CFP®
Hi, I'm Dustin Bell, Founder and Financial Advisor at Reflective Financial.I founded Reflective Financial because I love this work — the math, the strategy, and the people. Money and life decisions in the years around retirement are some of the most important decisions a person makes. Helping clients get them right and build meaningful lives is the most fulfilling job I’ve had.
Before Reflective Financial
I’ve spent my career being the person responsible when the numbers had to be right.
I’m a former CFO and COO — payroll, budgets, accounting, long-term planning, and the weight of knowing real people depended on the decisions. I was a strategy executive at a Fortune 50 company, building analytically complex, high-consequence business plans. Earlier, I was an investment portfolio manager and assistant controller at a commercial bank. I’m also an entrepreneur who has launched two businesses, including this one.
When you hand someone responsibility for your life savings, you’re not hiring a salesperson; you’re hiring judgment. Mine was built managing real organizations, real budgets, and real consequences.
Credentials
I’m a CERTIFIED FINANCIAL PLANNER™ professional. I hold an MBA and passed the Series 65 Uniform Investment Adviser Law Exam. Reflective Financial is a fiduciary, fee-only Registered Investment Advisor — I never sell products, and I never accept commissions or referral fees.
Why flat-fee, and why this specialization
I built this firm around two convictions.
First, the two decades around retirement are high consequence and high opportunity. The tax planning, the income design, the Social Security and Medicare decisions, the shift from growing a portfolio to living on one — this is a different discipline than general financial advice, and it rewards specialization and expertise.
Second, the standard industry fee model has the math backwards. A percentage of your assets means your advisor’s pay rises with your portfolio, not with the work. I’d rather charge a flat fee and let my incentives sit on your side of the table.
Off the clock
I live in Highlands Ranch with my wife of 25+ years — a Colorado public school teacher — and our two daughters. When I’m not working, you’ll often find me trail running, hiking, or on some other adventure in the mountains.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
- Master of Business Administration (MBA)
Affiliations
-
Fee Only Network
- National Association of Personal Financial Advisors
- XY Planning Network
- National Association of Personal Financial Advisors
Primary Location
26 W Dry Creek Cir, Suite 600 Littleton, CO 80120
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Flat Fee
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free introductory conversation. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.Offers Investment Management
Yes
About Reflective Financial
Reflective Financial is a fee-only, flat-fee financial planning firm, offering financial planning and investment advice to clients in Highlands Ranch, Colorado, and nationwide.Who We Serve
We work primarily with do-it-yourself investors who want ongoing, expert investment advice and comprehensive financial planning without turning over control of their assets to an asset manager. We serve individuals and families across career stages, from early career through retirement.
A typical new client is in the decade before or after retirement, with approximately $2–5 million in investments. My office is accessible to local clients in the Denver metro area, and I serve clients across Colorado and the rest of the US virtually through video conferencing.
Our Services
Our services include personalized investment advice built around dynamic, tactical asset allocation models using mostly low-cost index funds; forward-looking, multi-year tax planning integrated with investment management, estate planning, retirement planning, college savings, and charitable giving; cash flow analysis, debt optimization, and retirement cash flow planning; estate planning support including will reviews, trust planning, and gifting and charitable contribution strategies; retirement and college savings strategies; and risk management reviews covering home and casualty insurance, life and disability insurance, health insurance and employee benefits, and long-term care planning.
Why Work With Us
As a Registered Investment Advisor, we are held to a fiduciary standard and are required to always put our clients' interests first. We never sell investment or insurance products and never accept commissions or referral fees.
The decade before retirement and the decade after it will decide more about your financial life than the other decades combined. I help clients design and implement effective, tax-efficient retirement strategies — for one flat fee.
Education
Eastern University, Master of Business Administration | Missouri State University, Bachelor of Science
Hobbies and Interests
- Family
- Hiking
- Running
- Traveling
SEC Lookup
View DisclosureWho We Serve
- Business Owners
- Corporate Executives
- DIY Investors
- Dual Income Family
- Entrepreneurs
- Families
- Gen X
- Intergenerational Families
- Living in Retirement
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