Business Details
30 Years
experience
Your Trusted Partner for Comprehensive Financial Planning Solutions
C B Bond Financial Planning has provided independent financial planning and investment advice since 1996. Our practice is built on three core values: accessibility for all clients regardless of wealth, integration of financial planning with investment strategy, and evidence-based investing combined with behavioral discipline. We serve individuals and families nationwide through a fully virtual platform, eliminating geographic barriers while maintaining personalized service. Our fiduciary commitment ensures we prioritize client interests above all, operating without commissions or third-party compensation. With over 25 years of experience, we specialize in helping growing families, widows, travel workers, and those experiencing life transitions achieve financial clarity.Our approach combines proven investment principles with practical financial planning, addressing spending, saving, tax strategies, retirement, and estate planning. We maintain rigorous professional standards through ongoing education and industry certifications, including CFP and CFA designations. Our virtual partnership model offers convenience without compromising service quality, using technology to facilitate seamless collaboration. We measure success by our clients' ability to make informed financial decisions that balance present enjoyment with future security.
Services
Financial Planning
Investment Advice
Tax Planning
Retirement Planning
Estate Planning
Details
- Year established: 1996
Highlights and features
- We operate as a fiduciary with a written commitment to prioritize client interests
- No minimum asset requirements allow accessible financial guidance at any life stage
- Fully virtual services enable nationwide client partnerships with scheduling flexibility
- Proven investment principles focus on long-term portfolio stability over market timing
- Behavioral finance expertise helps clients maintain discipline during market extremes
Associations and certifications
- CFP
- CFA
Services
Financial Planning
Our comprehensive financial planning service creates personalized roadmaps for clients' financial futures. We analyze spending patterns, savings goals, insurance needs, and estate considerations to develop integrated strategies. This service helps clients prioritize competing financial objectives while maintaining flexibility for life changes, ensuring both immediate needs and long-term aspirations receive appropriate attention.
Investment Advice
We design diversified investment portfolios aligned with clients' risk tolerance and financial objectives. Our evidence-based approach emphasizes long-term stability over market timing, with periodic adjustments to maintain strategic alignment. We help clients navigate emotional investing pitfalls while implementing tax-efficient strategies that support broader financial plans.
Tax Planning
Our tax planning service integrates with overall financial strategies to optimize clients' tax positions. We analyze income sources, deductions, and credits to develop proactive tax reduction strategies. This service coordinates with investment management and retirement planning to minimize tax liabilities across different life stages and financial circumstances.
Retirement Planning
We help clients prepare for sustainable retirement through comprehensive income planning. Our approach considers Social Security optimization, pension options, and withdrawal strategies from various account types. We develop realistic spending plans and contingency scenarios to ensure financial security throughout retirement while adapting to changing market conditions.
Estate Planning
Our estate planning service ensures clients' wishes are implemented through coordinated legal and financial strategies. We work with attorneys to establish appropriate documents while addressing tax implications and asset distribution. This service helps preserve wealth for beneficiaries while minimizing administrative complexities during transitional periods.
People
Brad Bond
Founder
Former engineer turned CFP and CFA professional with 25+ years experience. Specializes in helping career-changers and travel workers. MBA in Investments, Mechanical Engineering background. Expert witness in securities arbitration cases.
Julie Froneberger
Administrative Support
Virtual administrative specialist with experience in financial advisor support. Owner of Executive Services, Inc. Provides operational support from Kansas City. Former office management experience with mid-size companies.
Kim Francese
Financial Paraplanner
17-year veteran of financial services with tax preparation expertise. BS in Business Management from Indiana University of Pennsylvania. Handles accounting and paraplanning duties for C B Bond Financial Planning.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning covering spending/saving strategies, retirement planning, tax optimization, estate planning, and investment management tailored to individual client needs.
Are you legally required to act in my best interest?
Yes, we operate as fiduciaries with a written oath to prioritize client interests above all other considerations in our financial recommendations.
How are your services priced?
We use transparent fee-only compensation with no commissions or third-party payments. Specific fee structures are detailed in our Form ADV Part 2A Brochure.
Can you work with clients outside Pennsylvania and North Carolina?
While registered in PA and NC, our virtual platform allows nationwide service to clients who can benefit from our financial planning expertise.
What investment approach do you use?
We employ evidence-based, diversified portfolio strategies focused on long-term objectives rather than market timing, with periodic adjustments to maintain strategic alignment.
How often do you review financial plans?
We conduct comprehensive annual reviews with mid-year check-ins, plus additional meetings as needed for significant life changes or market events.
