Bloom's fee-only personal financial planners will help you
manage your assets with confidence.
At Bloom Asset Management we understand that your investment
portfolio means a lot more to you than just dollars and cents. It's
about your goals for the future, and the ability to live your
That's why we manage each portfolio as if it were our own--with
the care and attention individual investors have come to expect
from us since 1984.
Each Investor is Unique
Every investor has a different investment risk tolerance. Some
are conservative, others are aggressive, and some are in between.
Whatever your investment style, we will design a portfolio that
best fits your goals, objectives and risk tolerance.
As investment specialists, we will help you sort out the myriad
of investment options and design a portfolio that helps meet your
goals without undo risks. For example, investments such as real
estate, precious metals, commodities, coins, stamps, stocks and
bonds may be very good options for a particular type of investor.
However, most people don't take the time necessary to become
experts on these individual investments and, as a result, aren't
successful in building a strong portfolio that has good performance
We Recommend Mutual Funds for Most Portfolios
At Bloom Asset Management we think mutual funds are the best way
to build a portfolio that can meet your goals and objectives. Yet,
with close to 30,000 mutual funds available today, it's important
to get expert advice on which mutual funds to build a portfolio
Generally speaking, mutual funds can be broken down into two
categories: load and no-load. Load mutual funds add a surcharge
that is usually given to the salesman or broker who sells them.
This surcharge is then "loaded" onto the selling price of the
In addition, some funds are "back loaded", which means a charge
is made when the shares are sold.
No-Load Mutual Funds Decrease Investment Costs for
The second category consists of no-load mutual funds. These
mutual funds do not have a commission surcharge when they are
purchased, or a back-end load when they are sold. Almost all of the
funds we recommend are no load, because we believe your money looks
better in your pocket than the mutual fund company coffers.
We Recommend Funds with a Track Record of Success
When it comes to picking no-load mutual funds for your
portfolio, we won't recommend a fund until it has achieved a track
record for good performance. We believe in five and 10-year
averages, and many of the funds we recommend can show 20 years of
Some of today's new funds are "go-go" funds that achieve
immediate high earnings. Unfortunately, they have no track records
to show that these short-term earnings can be returned on a
consistent, long-term basis. We will never recommend a fund that
doesn't stack up over time.