Blom & Howell Financial Planning, Inc.

Blom & Howell Financial Planning serves individuals (including high‑net‑worth clients), trusts, estates, business entities, and retirement plans by offering comprehensive wealth management and portfolio management, standalone financial planning, retirement plan consulting, estate‑planning assistance, and recommendations of third‑party advisers. The firm delivers comprehensive wealth management through a firm‑sponsored wrap fee program and provides fixed‑fee or hourly planning engagements, with estate‑planning work available via a third‑party digital service.

The firm customizes asset allocations across stocks, bonds, mutual funds, ETFs, and REITs and offers both discretionary and non‑discretionary management, rebalancing portfolios periodically to align with clients’ objectives, risk tolerance, liquidity needs, and time horizon. Some service providers used by the firm employ artificial intelligence and machine‑learning components; the firm says it performs periodic due diligence of vendors to mitigate data accuracy and security risks.

Distinctive features noted in the brochure include an unusually high client‑to‑advisor ratio (more than 200 clients per advisor), and the firm’s role as sponsor and portfolio manager of its own wrap fee program. The firm’s investment adviser representatives are licensed insurance agents who may earn commissions on insurance sales and the brochure discloses and describes how those potential conflicts are managed.