Bliss Financial Consulting

Bliss Financial Consulting provides financial planning and consulting services to individuals, high-net-worth individuals, and charitable organizations, delivering tailored, one-time financial plans that address investment planning, retirement, tax considerations, insurance, college savings, and debt management. The firm’s advice generally focuses on mutual funds, equities, fixed income, ETFs (including precious metal ETFs), commodities, and non-U.S. securities as appropriate for clients’ goals and restrictions.

The firm employs a mix of analytical methods — including charting, cyclical and technical analysis, fundamental analysis, and modern portfolio theory — and recommends a long-term investing approach while using model allocations combined with client-specific recommendations. When providing retirement-account advice the firm acts as a fiduciary, but it does not exercise discretionary trading authority or custody client assets; clients receive completed plans and custodial account statements directly from their custodians.

Compared with many registered investment managers, Bliss is notable for not charging percentage-of-assets-under-management or performance-based fees; it offers negotiated fixed planning fees paid in arrears and reports no assets under management. The firm also does not participate in wrap programs, does not trade client accounts or select custodians, and typically concludes its engagement upon delivery of the financial plan unless clients request additional services for a fee.