# Blue Bear Financial, LLC

> 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.

- CRD: 331226
- Filed as: BLUE BEAR FINANCIAL, LLC
- Also doing business as: BLUE BEAR PRIVATE WEALTH, CENTERPOINT FINANCIAL
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: September 23, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/331226
- AdvisorCensus page: https://advisorcensus.com/firm/blue-bear-financial-llc-331226

## Quick answers

**How is Blue Bear Financial, LLC compensated?**
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.

**How much does Blue Bear Financial, LLC charge?**
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.

**Is Blue Bear Financial, LLC registered with the SEC or a state?**
Blue Bear Financial, LLC is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 331226.

**How much does Blue Bear Financial, LLC manage?**
Blue Bear Financial, LLC reports $147,365,028 in regulatory assets under management in its Form ADV filing dated September 23, 2026 (97% discretionary).

**How have Blue Bear Financial, LLC's assets and staff changed since 2024?**
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.

**What types of clients does Blue Bear Financial, LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (91); individuals (other than high net worth individuals) (72).

**Which custodians does Blue Bear Financial, LLC use?**
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.

**Does Blue Bear Financial, LLC report any disciplinary disclosures?**
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

**Does Blue Bear Financial, LLC state an account minimum?**
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."

**What changed in Blue Bear Financial, LLC's recent Form ADV filings?**
In the October 2026 filing data: Registered or notice-filed in CA, TX.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Other

### Fees and minimums (Form ADV Part 2A brochure dated August 31, 2026)

- Asset-based fee: up to 1.65% of assets a year (the maximum the brochure states)

> 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.

- Account minimum: $500,000 (the brochure says it may be waived or negotiated)

> 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 rate: $500 an hour (Project-based financial planning engagements)

> 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.

- Flat fee: $2,400 a quarter (Ongoing financial planning engagements in subsequent years)

> 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.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $147,365,028
- Discretionary: $143,678,875
- Non-discretionary: $3,686,153

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 72 | $23,912,210 |
| High net worth individuals | 91 | $123,452,818 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2025 (0 years)
- Employees: 6 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, NY, PA, SC, TX, VT
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- bluebearfinancial.com
- bluebearprivatewealth.com
- centerpoint-financial.com
- LinkedIn @blue-bear-financial
- LinkedIn @anthony-kinzie
- LinkedIn @priscilla-gilbert-cfp-b2a62528
- X @centerpoint_fin

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | $0 | 3 | August 19, 2024 |
| October 2026 | $147,365,028 | 6 | September 23, 2026 |

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.

## Changes in the filing (last 12 months)

### October 2026
- Registered or notice-filed in CA, TX.

### September 2026
- Added the business name Blue Bear Private Wealth.

### April 2026
- Added the business name Centerpoint Financial.
- Employees performing advisory functions went from 1 to 3.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Blue Bear Financial, LLC (CRD 331226): Form ADV filing data as of October 2026.