Plan first-
manage risk second, invest second, pay taxes second, but PLAN FIRST.
We build easy to understand, interactive, next-generation financial plans.
How Does Financial Planning Make a Difference
The first step is the most important step in financial planning. Start by exploring what you really want to achieve in your life. It is not just about money.
What are your aspirations? What motivates you? What is really important in your life? What will promise genuine happiness and security in your life?
Knowing your reasons for planning, provides the fuel to start and maintain your plan.
The financial plan continually processes and evaluates your current and future financial picture. The plan accounts for your income, expenses, assets, risks, and goals. It will take into consideration what will happen to your assets when you are gone. You will have a clear plan in place to manage your assets if you are unable or unwilling to manage yourself.
A Look at Some Planning Modules
Balance Sheet
Get a 360° view of all of your accounts in one convenient place so you can easily track your net worth.
Just like any well-run business, your personal balance sheet should always be in check. Your net worth is the difference between your assets and your liabilities. Assets are everything you own such as your home and investments, and liabilities are everything you owe such as the balance on your mortgage and other debt.
Income and Cash Flow
Depending on your goals and time horizon, some plans provide better income than others. Our team helps determine which plans provide you the most income to efficiently meet your needs.
Tax Efficient Planning & Distribution Strategies
Taxes can have a significant impact on your future and are an important factor in financial planning. Your estimated taxes are based on your current financial data and your proposed retirement plan, using current tax rates and methodologies.
You will have a living tax return plan and annual year over year forecast, to help you see the best possible options for tax reduction.
Social Security Maximization
You have paid a lot of money into the Social Security system over your working years. Don’t you want to get the most out of what you put in?
You can easily see the impact of your decision when it comes to electing your Social Security benefits and the optimal solution that will maximize your Social Security income.
Wills, Trusts, and Estate Plans
According to Boston College*, Estate Planning is one of the most overlooked financial planning tasks.
How much comfort will it give you knowing your wills, power of attorneys, living wills, and healthcare proxies, are up-to-date and in good order should something happen to you?
* https://www.bc.edu/content/bc-web/offices/alumni/news/estate-planning-week.html
How Do We Help You?
The key is starting with a conversation about what you would like to have happen with your money and your future. Then we can look at your financial situation to see what makes the most sense for your plan. If you have an investment portfolio, we can analyze your holdings to make sure you are getting the return you should be for the risk you are taking. If you own an annuity, we can review it to see if it makes the most sense for your portfolio.
Financial Planning
As our financial lives become more complex, investors need enhanced consulting and comprehensive planning, which results in more engaged relationships. Our process offers a complete system of tools, technology, and best practices to help deliver more value and address what you need for every phase of life.
Portfolio Management
Investing makes it possible for many of us to achieve important lifetime goals, such as retirement. That’s why we believe a better wealth experience requires a consistent investment approach based on financial science and grounded in real-world results. Our Asset Class Investing philosophy is based on nine decades of data, analysis and research, insights from behavioral finance and close relationships with leading academics — including our Investment Committee members, Dr. Meir Statman and Nobel Laureate Dr. Harry Markowitz.
Access to Commission-Free Insurance
Dependent on your specific goals and time horizon, some products may provide better benefits, returns and payouts than others.
A Life Insurance and Annuity review helps determine which products on our platform provides the most death benefit or income from a fixed dollar investment and identify the products that most efficiently meet your needs.
Get your Free Assessment
We function as your valued partner. We start with you. What matters most to you personally and financially. We help you stay focused on the long term, so you have a better chance of achieving your goals. We create a personalized plan. We closely monitor your plan. You have 24/7 access to your plan. Your plan is updated daily and tracks your progress. You plan is flexible. Necessary changes are easy to make so you can keep pace with where you are in life. We are dedicated to delivering a better experience for you. Test drive the experience and see how our approach can make a real difference.
Plan First.
Here is where it starts.
Contact Us
info@bloomfinancial.com
390 Interlocken Crescent, Suite 350
Broomfield, CO 80021
Bloom Financial, LLC is a fee only financial planner headquartered in Westminster, Colorado that provides investment advice and financial planning. Bloom Financial is an Investment Advisor Representative of FourStar Wealth Advisors, LLC. Any information information provided by FourStar Wealth Advisors, LLC (“FourStar” or the “Firm”) is for general informational purposes only. This information is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and investors should be prepared to bear potential losses. Investments should only be made after thorough review with your investment advisor, considering all factors including personal goals, needs and risk tolerance. FourStar is a SEC registered investment adviser that maintains a principal place of business in the State of Illinois. The Firm may only transact business in those states in which it is notice filed or qualifies for a corresponding exemption from such requirements. For information about FourStar’s registration status and business operations, please consult the Firm’s Form ADV disclosure documents, the most recent versions of which are available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov/