Blom Levy & Co., LLC

The firm works with individuals and families seeking financial independence, with particular emphasis on women at life transitions such as inheritors, divorcees, widows, and entrepreneurs. It offers integrated wealth management and planning services, including financial planning, estate- and tax-planning coordination, and implementation of customized portfolios using individual bonds, stocks, and ETFs under a flat advisory fee arrangement.

Investment decisions are driven by a household balance-sheet approach: the firm prepares balance sheets and cash-flow statements, assesses client risk capacity, and follows a Bond-First, liability-matching methodology that ladders high-quality bonds until income reliably covers expenses, with selective equity or private allocations thereafter. Clients retain final authority on transactions—the firm operates primarily on a non-discretionary basis and provides annual ARVA (Annually Recalculated Virtual Annuity) spending estimates as part of its review process.

Distinctive features include a subscription-style flat fee instead of percentage-of-AUM billing and a reported discretionary AUM of zero, meaning most assets are advised non-discretionarily—both uncommon for independent peers. The firm also documents a formal annual-review workflow (Annual Confirmation Checklist, Acknowledgment with Restated Assumptions, internal suitability memos), does not take custody or vote proxies, and makes educational market commentary available via its website and Substack.