Investment Management Service

With close to 30,000 mutual funds currently on the market, and the volatility that investors have faced in the past decade, it is important to consider these key questions when investing:

• How does the average investor choose the right funds for a portfolio?
• How do you monitor the performance of the funds once they are selected?
• What about changes in the funds' management or investment strategies? 
• What is the proper mixture of funds needed to achieve my future goals?

Why Should I Hire an Investment Management Firm?

Many business and professional people work so hard they don't have the time or the energy to manage their own investment portfolio. Rash decisions and neglected portfolios are good ways to loose money. Retirees are also busy people these days, and feel that now is the time to enjoy their lives and not worry about investments. In these situations, it's a good idea to delegate the management of your portfolio.

Bloom Asset Management is a Registered Investment Advisor established to help our clients answer these important questions. We make investing easy and cost-effective for you by developing a customized portfolio of no-load mutual funds and continuously monitoring the performance of the investments. Many money management or brokerage firms treat all customers the same. Whatever the "flavor of the month" investment is, that's what the investors get for their portfolio. Often, the funds recommended are "loaded", or commissioned, and cost the investor more money, while helping the broker make more money.

At Bloom Asset Management, we treat each investor as an individual and recommend a portfolio that fits your unique needs. Before we develop a portfolio, we meet with you to determine your financial goals and tolerance for risk. Then we develop a customized portfolio of no-load mutual funds designed with your particular situation in mind.

Not all investments have equal risk. Stock funds, as an example, have an excellent growth track record over a long period of years. However, over a shorter period of time there may be significant volatility. This makes Stock funds an excellent long term, but risky short-term investment.

The combination of a person's individual personality and needs determine the flexibility and aggressiveness of each investment. You may be very conservative for some needs and very aggressive on others.

Diversification is the foundation of each portfolio developed by Bloom Asset Management. Accordingly, we select from thousands of no-load mutual funds and design an investment mix that is well balanced and diversified. In selecting the specific mutual funds, we emphasize the performance of the funds, which includes continuity of management and consistency of investment style and results.

Bloom Asset Management uses major financial institutions to act as custodian of client assets. Each month, you receive a consolidated, easy-to-understand statement directly from the custodian, showing the portfolio value and investment positions, including a summary of activity for the month. Bloom Asset Management handles all of the paperwork and makes the investment decisions for you to ensure that the portfolio meets your goals and objectives.

To schedule an appointment or to ask questions about our Investment Management service, please e-mail our Financial Planning Assistant, Delilah Caputo, or call us at (248) 932-5200.

Financial Consultations

The financial consultation provides independent advice in the areas of:

• Estate Planning
• Risk Management
• Taxes 
• Investments

We believe a financial advisor should be like a golf pro. A golf pro helps you with your swing and gives advice on problem areas, but lets you play the game yourself. As financial advisors we find out about your needs, goals and objectives.

In consultation with you, we create a financial strategy that will fill those needs and goals. Finally we make your initial financial plan and suggest your portfolio. Then we get out of the way and let you implement your no-load fund investment plan. It is your obligation to make the buys and follow through.

Our financial consultation process begins with a questionnaire, which we ask you to complete and return prior to the meeting. Your advisor will review your questionnaire prior to the meeting so that they are familiar with your individual situation. The process continues with a comprehensive private meeting with you and your advisor. During the meeting, which lasts approximately 1 1/2 hours, we review each of the aforementioned areas with you and evaluate your current situation. After the meeting, the client receives a detailed "Letter of Recommendation" with specific suggestions in each area.

The investment recommendations are made using only no-load mutual funds. We charge a flat fee for our services. We do not place any orders for you, or make any commissions on what you buy. We don't sell insurance, stocks, or mutual funds. We earn no commissions and don't receive any trips or other gratuities for recommending particular investments. When you become a client, our loyalty is to you and only you.
The process continues with your advisor answering any follow-up questions you may have. This service is offered for a flat fee, and follow-up consultations are provided at a reduced fee.

No Commissions, No Hidden Fees

Successful investing requires keeping costs as low as possible. We believe that an investor who pays for professional services is entitled to independent financial advice, free from conflicts of interest. That's why we exclusively recommend no-load mutual funds. We don't receive commissions from any of the firms who distribute investment products that we recommend or use in our managed portfolios. Our sole compensation comes directly from our clients, and is disclosed clearly and completely before we render services. Thus, our loyalty is always to our clients, and not to the products we recommend.

To schedule an appointment or to ask questions about our Financial Consultation service, please e-mail our Financial Planning Assistant, Delilah Caputo, or call us at (248) 932-5200.