Blue Bear Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.
Blue Bear Financial reports 163 clients. They include 91 high-net-worth individuals and 72 individual clients. Of its assets, 97.5% ($144M across 542 accounts) are managed with discretion; $3.69M across 12 accounts are not. Of its clients, 2% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 44% | 16% |
| High-net-worth individuals | 56% | 84% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 72 | $23.9M | 16.2% | $332K |
| High-net-worth individuals | 91 | $123M | 83.8% | $1.36M |
| Total | 163 | $147M | 100% | $904K |
- Clients
- 72
- Regulatory AUM
- $23.9M
- AUM share
- 16.2%
- Avg. per client
- $332K
- Clients
- 91
- Regulatory AUM
- $123M
- AUM share
- 83.8%
- Avg. per client
- $1.36M
Total
- Clients
- 163
- Regulatory AUM
- $147M
- AUM share
- 100%
- Avg. per client
- $904K
- Clients outside the U.S.
- 2%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Blue Bear Financial is paid through a percentage of assets under management, hourly charges, fixed fees (other than subscription fees) and other compensation. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Ongoing Financial Planning
- Ongoing financial planning is generally a fixed fee of $5,000 to $10,000 in the first year and then a quarterly fee of up to $2,400, negotiable.
- Project-Based Financial Planning
- Project-based planning is billed hourly at up to $500 per hour or as a fixed engagement fee based on expected hours, negotiable.
- Retirement Plan Advisory Services
- Retirement plan advisory fees are an annual asset-based fee of up to 1.00%, billed quarterly and possibly negotiable.
Anthony Kinzie owns 75% or more of Blue Bear Financial. The leadership team of Blue Bear Financial includes President Anthony Kinzie. It has 6 employees, 3 of them in advisory roles.
Leadership
Anthony KinziePresident and Chief Compliance Officer
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 6 employees
- 3 in advisory functions
- 3 state-registered reps
- 1 insurance agent
- Owns 75% or more of Blue Bear Financial, LLC
Anthony Kinzie
Control person · since April 2024
Blue Bear Financial’s regulatory assets grew Infinity× from $0 (June 2024) to $147M (September 2026); employees rose from 2 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $147M | 163 | 6 | 2 |
| June 2024 | $0 | 0 | 2 | 1 |
Besides its headquarters, Blue Bear Financial has 1 office (1 private residence, listed without an address), with 1 listed address with no US state reported.
Other business names
Blue Bear Financial has reported 2 other business names to the SEC.
- Blue Bear Private Wealth
- Centerpoint Financial
Contact and registration details
- Legal name
- Blue Bear Financial, LLC
- Headquarters
- Not reported
- Website
- bluebearfinancial.com
- Phone
- 843-654-1377
- @blue-bear-financial
- SEC file
- 801-134923
- Structure
- South Carolina LLC
- Fiscal year end
- December
Blue Bear Financial uses Charles Schwab ($144M) as custodian for its separately managed accounts. Blue Bear Financial has custody of $6.83M in client assets for 26 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $144M100%
At year end, Blue Bear Financial’s separately managed accounts were largely in funds (48%) and stocks (45%).
What the accounts hold
- Stocks45%
- Funds48%
- Bonds1%
- Cash6%
How many clients does Blue Bear Financial have?
Blue Bear Financial has 163 clients and manages $147 million for them, as of September 2026. They include 91 high-net-worth individuals and 72 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 23 September 2026
What services does Blue Bear Financial offer?
Blue Bear Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Blue Bear Financial use?
Blue Bear Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $144M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 September 2026
How many financial advisors does Blue Bear Financial have?
Blue Bear Financial has 3 investment adviser representatives registered with state securities authorities, out of 6 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Blue Bear Financial invest in?
At the end of its last fiscal year, Blue Bear Financial’s separately managed accounts held 48% registered funds (mutual funds, ETFs, BDCs), 45% exchange-traded equities, 6% cash and equivalents and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Blue Bear Financial?
Blue Bear Financial’s direct owner is Anthony Kinzie (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 23 September 2026
How does Blue Bear Financial get paid?
Blue Bear Financial is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Blue Bear Financial?
Its phone number is 843-654-1377. Its website is bluebearfinancial.com.