"Don't look for the needle in the haystack. Just buy the haystack!"
— John Bogle
Investing starts with a philosophy.
How a Durable Investment Philosophy works...
When the "you know what" hits the fan,
your success depends on the decisions you make in those critical moments.
Your philosophy keeps you on track and pointed in the right direction .
Our solutions are backed by decades of research, insights from eleven Nobel laureates, and our investment committee.
It all adds up to an investment philosophy for life.
We Believe Markets Work
The Foundation
1. Let Markets Work for You
Instead of trying to beat the market, let the long-term growth potential of markets around the world work for you. Over time, markets have significantly outperformed inflation, yet most active money managers have consistently failed to outperform markets.
2. Put Science-based Evidence on Your Side
Using the knowledge and tools provided by financial science, we build portfolios based on risk and return. Working together, we then decide how much exposure is right for your situation and long-term goals.
3. Manage Risks
Risk can’t be eliminated, but it can be managed — even potentially reduced — through a prudent approach.
4. Invest for the Long Term
A long-term perspective is one of the most important ingredients of portfolio success. But emotions can get in our way. That’s why we use the latest behavioral research to help you make better decisions and stay on track.
"When you're about to do something small, you need a reason.
When you're about to do something big, you need a plan.
When you're about to do something life-changing, you need a philosophy." - Zina Kumok
A Better Investor Experience Begins With
Are You Working with Someone You Can Trust?
We believe: You should work with a Financial Advisor who always acts in your best interests based on fiduciary standard.
For over 34 years, Bloom Financial has been a fiduciary. A fiduciary has a ethical and legal duty to put your interests first.
Do You Have the Plan That’s Right for You?
We believe: All investors should have long-term plans that reflect what is most important to them — their values, needs, concerns and hopes.
Our tools and resources help clarify what matters most to you personally and financially in order to put together the best possible long-term plan.
Do You Have Confidence Your Current Portfolio Will Get You There?
We believe: Portfolios should be designed to give investors the highest probability of achieving their goals with a suitable amount of risk.
Our approach is based on decades of investment data and analysis as well as close relationships with Nobel Laureates and leading academic institutions.
How Do You Stay on Track?
We believe:
As markets go up and down, it can be hard to prevent emotions from getting in the way and turning temporary declines into permanent losses. We work closely with you to help you stay focused on the long term and on track to achieve your goals. In addition, we closely monitor your plan, update you regularly on your progress and make any changes necessary to keep pace with where you are in life.
The following are some questions to consider.
- Are you aware of the new tax law changes?
- How do you make sure your CPA is not making any mistakes in minimizing your tax exposure?
- When is the last time you had a Risk Audit?
- Do you have a current balance sheet?
- Do you have a written financial plan?
- If something happened to you, are your wills and power of attorney’s up-to-date in good order?
- Do you have an easy way to track all of your finances?
- Do you want to simplify your financial life?
Frequently Asked Questions
Do you charge a fee for an assessment?
How do you charge your clients?
Does Bloom Financial hold my money?
Do you have a minimum account size?
What certifications do you have?
Why should I hire a financial advisor?
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/