Full Bloom Financial

Full Bloom Financial serves individuals, high-net-worth clients, charitable organizations, corporations and other businesses, providing wealth management, investment management, and comprehensive financial planning that includes business planning and exit-planning advisory. The firm operates as a fee-only adviser and may recommend third‑party professionals and outside managers to implement parts of a client’s plan.

Its investment approach blends modern portfolio theory with both passive and active strategies and draws on fundamental, technical and cyclical analysis; clients can also request socially responsible or Biblically Responsible Investing allocations. Accounts are managed on a primarily non‑discretionary basis—FBF obtains client approval before executing trades—and the firm assists in selecting and monitoring outside managers who may have discretionary authority.

Full Bloom reports its assets under management as entirely non‑discretionary ($1,895,471) and maintains a small client base that includes institutional entities, a combination that is uncommon among independent solo advisers. The firm uses flat/retainer-style and an initial planning fee structure rather than percentage‑of‑AUM billing and, unusually for peers, discloses use of endorsements, third‑party ratings, and testimonials in its advertising.