{
  "crd_number": 331226,
  "slug": "blue-bear-financial-llc-331226",
  "primary_business_name": "BLUE BEAR FINANCIAL, LLC",
  "legal_name": "BLUE BEAR FINANCIAL, LLC",
  "dbas": [
    "BLUE BEAR PRIVATE WEALTH",
    "CENTERPOINT FINANCIAL"
  ],
  "city": null,
  "state": null,
  "country": null,
  "cbsa_code": null,
  "metro": null,
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2025-12-11",
  "years_registered": 0,
  "period": "2026-10-01",
  "filing_date": "2026-09-23",
  "carried_forward": false,
  "raum_total": 147365028.0,
  "raum_discretionary": 143678875.0,
  "raum_non_discretionary": 3686153.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 6,
  "advisory_employees": 3,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 23912210.0,
      "count": 72
    },
    "high_net_worth_individuals": {
      "raum": 123452818.0,
      "count": 91
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "other",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "pension_consulting",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA",
    "NY",
    "PA",
    "SC",
    "TX",
    "VT"
  ],
  "websites": [
    "https://bluebearfinancial.com",
    "https://bluebearprivatewealth.com",
    "https://centerpoint-financial.com",
    "https://linkedin.com/company/blue-bear-financial",
    "https://linkedin.com/in/anthony-kinzie",
    "https://linkedin.com/in/priscilla-gilbert-cfp-b2a62528",
    "https://x.com/centerpoint_fin"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/331226",
  "city_as_filed": null,
  "url": "https://advisorcensus.com/firm/blue-bear-financial-llc-331226",
  "display_name": "Blue Bear Financial, LLC",
  "summary": "Blue Bear Financial, LLC is an SEC-registered investment advisory firm, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 23, 2026.",
  "citation": "AdvisorCensus. Blue Bear Financial, LLC (CRD 331226): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)",
    "Other"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Pension consulting services",
    "Selection of other advisers (including private fund managers)"
  ],
  "quick_answers": [
    {
      "q": "How is Blue Bear Financial, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Blue Bear Financial, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); other."
    },
    {
      "q": "How much does Blue Bear Financial, LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated August 31, 2026 states: Asset-based fee: up to 1.65% of assets a year (the maximum the brochure states); Hourly rate: $500 an hour (Project-based financial planning engagements); Flat fee: $2,400 a quarter (Ongoing financial planning engagements in subsequent years). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Is Blue Bear Financial, LLC registered with the SEC or a state?",
      "a": "Blue Bear Financial, LLC is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 331226."
    },
    {
      "q": "How much does Blue Bear Financial, LLC manage?",
      "a": "Blue Bear Financial, LLC reports $147,365,028 in regulatory assets under management in its Form ADV filing dated September 23, 2026 (97% discretionary)."
    },
    {
      "q": "How have Blue Bear Financial, LLC's assets and staff changed since 2024?",
      "a": "In the Form ADV data for Blue Bear Financial, LLC: Regulatory assets under management: $0 in the October 2024 data and $147,365,028 in the October 2026 data. Total employees: 3 in October 2024 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Blue Bear Financial, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: high net worth individuals (91); individuals (other than high net worth individuals) (72)."
    },
    {
      "q": "Which custodians does Blue Bear Financial, LLC use?",
      "a": "Blue Bear Financial, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Blue Bear Financial, LLC report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/331226"
    },
    {
      "q": "Does Blue Bear Financial, LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated August 31, 2026 says: \"Blue Bear generally requires a minimum relationship size of $500,000 to effectively implement its investment management services. This amount may be waived or reduced at the Advisor’s sole discretion.\""
    },
    {
      "q": "What changed in Blue Bear Financial, LLC's recent Form ADV filings?",
      "a": "In the October 2026 filing data: Registered or notice-filed in CA, TX."
    }
  ],
  "filing_history": [
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 0.0,
      "total_employees": 3,
      "filing_date": "2024-08-19"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 147365028.0,
      "total_employees": 6,
      "filing_date": "2026-09-23"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-10-01",
      "period_label": "October 2026",
      "notes": [
        "Registered or notice-filed in CA, TX."
      ]
    },
    {
      "period": "2026-09-01",
      "period_label": "September 2026",
      "notes": [
        "Added the business name Blue Bear Private Wealth."
      ]
    },
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Added the business name Centerpoint Financial.",
        "Employees performing advisory functions went from 1 to 3."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated August 31, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": "1.65% of assets a year",
    "account_minimum": "$500,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $500 an hour (Project-based financial planning engagements)",
      "Flat fee: $2,400 a quarter (Ongoing financial planning engagements in subsequent years)"
    ],
    "figures": [
      {
        "label": "Asset-based fee",
        "statements": [
          "Asset-based fee: up to 1.65% of assets a year (the maximum the brochure states)"
        ],
        "quotes": [
          "Investment management fees range up to 1.65% annually based on several factors, including: the scope and complexity of the services to be provided; the level of assets to be managed; and the overall relationship with the Adviser."
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $500,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "Blue Bear generally requires a minimum relationship size of $500,000 to effectively implement its investment management services. This amount may be waived or reduced at the Advisor’s sole discretion."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $500 an hour (Project-based financial planning engagements)"
        ],
        "quotes": [
          "Hourly fees range up to $500 per hour. Fixed fee engagements are based on the expected number of hours to complete the engagement at the Advisor’s hourly rate."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $2,400 a quarter (Ongoing financial planning engagements in subsequent years)"
        ],
        "quotes": [
          "Ongoing financial planning engagements are generally charged a fixed fee ranging from $5,000 to $10,000 in the first year and a lower ongoing quarterly fee up to $2,400 in subsequent years."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": 1.65,
      "account_minimum": 500000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 500.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "Project-based financial planning engagements"
        },
        {
          "kind": "flat",
          "amount": 2400.0,
          "min": null,
          "max": null,
          "period": "quarterly",
          "service": "Ongoing financial planning engagements in subsequent years"
        }
      ]
    },
    "quotes": [
      "Investment management fees range up to 1.65% annually based on several factors, including: the scope and complexity of the services to be provided; the level of assets to be managed; and the overall relationship with the Adviser.",
      "Blue Bear generally requires a minimum relationship size of $500,000 to effectively implement its investment management services. This amount may be waived or reduced at the Advisor’s sole discretion.",
      "Hourly fees range up to $500 per hour. Fixed fee engagements are based on the expected number of hours to complete the engagement at the Advisor’s hourly rate.",
      "Ongoing financial planning engagements are generally charged a fixed fee ranging from $5,000 to $10,000 in the first year and a lower ongoing quarterly fee up to $2,400 in subsequent years."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/blue-bear-financial-llc-331226.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 72,
      "fewer_than_5": false,
      "raum": 23912210.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 91,
      "fewer_than_5": false,
      "raum": 123452818.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/331226",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}