{"url":"https://nivawealth.com/firms/blue-bear-financial-331226","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/331226","regulatoryAum":147365028,"crd":"331226","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4185541","suffix":null,"lastName":"GILBERT","firstName":"PRISCILLA","middleName":"N."},{"crd":"6688689","suffix":null,"lastName":"KINZIE","firstName":"ANTHONY","middleName":null},{"crd":"8240519","suffix":null,"lastName":"Kubiszyn","firstName":"Robert","middleName":"Scott"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2024-06-13","regulatoryAum":0,"clients":0,"employees":2,"offices":1},{"filedOn":"2026-09-23","regulatoryAum":147365028,"clients":163,"employees":6,"offices":2}],"secFileNumber":"801-134923","legalName":"Blue Bear Financial, LLC","displayName":"Blue Bear Financial","slug":"blue-bear-financial-331226","website":"https://bluebearfinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/blue-bear-financial","founded":null,"organization":"South Carolina limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":["Blue Bear Private Wealth","Centerpoint Financial"],"registration":{"secApproved":"11 December 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":904079.9263803681,"staff":{"employees":6,"advisory":3,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":147365028,"discretionary":143678875,"discretionaryAccounts":542,"nonDiscretionary":3686153,"nonDiscretionaryAccounts":12,"wrapProgram":null,"nonUsClientsPct":2,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":72,"regulatoryAum":23912210},{"label":"High-net-worth individuals","clients":91,"regulatoryAum":123452818}],"feePrograms":[{"role":"other","program":"Ongoing Financial Planning","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056523","versionId":1056523,"submittedOn":"2026-08-31","documentName":"BLUE BEAR DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENT"},{"role":"other","program":"Project-Based Financial Planning","summary":"Project-based planning is billed hourly at up to $500 per hour or as a fixed engagement fee based on expected hours, negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056523","versionId":1056523,"submittedOn":"2026-08-31","documentName":"BLUE BEAR DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENT"},{"role":"other","program":"Retirement Plan Advisory Services","summary":"Retirement plan advisory fees are an annual asset-based fee of up to 1.00%, billed quarterly and possibly negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056523","versionId":1056523,"submittedOn":"2026-08-31","documentName":"BLUE BEAR DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENT"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T17:44:42.380039+00:00","documents":[{"name":"BLUE BEAR DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENT","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056523","versionId":1056523,"submittedOn":"2026-08-31"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":143678875}],"custodyNote":"Blue Bear Financial has custody of $6.83M in client assets for 26 clients.","otherCustodians":[],"leadership":[{"name":"Anthony Kinzie","title":"President and Chief Compliance Officer","crd":"6688689"}],"ownership":[{"label":"Anthony Kinzie","detail":"President and chief compliance officer in the 75% or more ownership band and a control person, since April 2024."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"843-654-1377","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)","Other"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":45},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":48},{"label":"Cash and cash equivalents","percent":6}],"privateFunds":0},"sources":{"adv1FilingDate":"23 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/331226/PDF/331226.pdf","brochureDate":"31 August 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056523","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Blue Bear Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Blue Bear Financial offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Blue Bear Financial use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Blue Bear Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Blue Bear Financial invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Blue Bear Financial?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Blue Bear Financial get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Blue Bear Financial?","answer":"Its phone number is 843-654-1377. Its website is bluebearfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 23 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}