Bloom Financial LLC

Bloom Financial LLC is a registered investment adviser that provides discretionary and non‑discretionary asset management alongside financial planning and consulting services, including hourly and ongoing planning options. Like many investment managers, it charges asset‑based advisory fees billed quarterly and can manage client accounts directly or through model-based strategies.

The firm’s investment process emphasizes asset allocation, mutual fund/ETF analysis, and Modern Portfolio Theory, and it may implement long‑term and short‑term purchases, options strategies (including covered calls), and margin where appropriate. Bloom routinely engages third‑party sub‑advisors and model strategists and documents client objectives and restrictions, offering both discretionary trading authority and non‑discretionary review when requested.

Noteworthy aspects disclosed in the brochure include that the firm’s principal is a licensed CPA who operates a tax resolution business and also conducts an independent insurance practice that may generate commission compensation; these affiliated activities are identified as potential conflicts and are mitigated through disclosure and fiduciary obligations. The firm also highlights its formal ability to select and appoint other advisers (including a model market center arrangement), its offering of hourly planning (up to $250/hour), and that it reported no assets under management as of August 28, 2025.