Investment

Balancing Risk and Reward

INVESTMENT PROCESS

Everything we do begins and ends with you.

We are wealth managers — not merely investment managers. Through our discovery process, we develop a clear, complete and mutual understanding of your goals, hopes and aspirations… and why those are important to you. Using the entire picture that’s been painted to help you make wise decisions that afford you the highest probability of success.

We use your success to measure our own.



 

Investment Types

Blossom Wealth Management recommends no-load, low turnover, passively traded, and low expense-ratio stock and bond index mutual funds for client portfolios (we use the same funds in our own portfolios, too). We particularly like the passively managed index funds offered by Dimensional Fund Advisors (DFA). DFA mutual funds offer broad diversification and are structured for low turnover, reduced trading costs, and reduced capital gains distributions. We also utilize Vanguard Funds, other index funds, and some Exchange Traded Funds (ETFs). Publicly traded Real Estate Investment Trust securities (REITs), gold and commodity mutual funds, or ETFs may be recommended to further diversify asset allocation.

Our client investment portfolios may also include a variety of individual short and intermediate term fixed income securities diversified across different issuers and economies. These include CDs, government bonds, corporate bonds, municipal bonds, and inflation protected securities. For clients with larger fixed income portfolios, a combination of bond funds and individual fixed income securities are often recommended. Fixed income investment recommendations are based on portfolio requirements and the reality of market conditions.

Existing client investments are evaluated as part of our planning and portfolio design process, including developing a plan for repositioning assets into a new portfolio. We’ll offer investment advice on any and all investments held by our clients throughout the advisory relationship. Once a portfolio is built (or rebuilt), Blossom Wealth Management monitors holdings and strategic asset allocation on a continuous basis, providing regular reviews for all clients.

Cash in Investment accounts are typically swept into the bank or money market mutual fund accounts of the institutions where clients hold their assets (Charles Schwab, TD Ameritrade, or Fidelity). We work with clients to assess upcoming cash flow needs and create a plan for meeting those requirements.
 

    INSIGHTS FROM OUR TEAM

    More than a financial provider, we identify and understand your life goals and then create a dynamic wealth management solution to help you achieve them.

    INSIGHTS FROM OUR TEAM

    We facilitate introductions to thought leaders and successful peers in our community.

    INSIGHTS FROM OUR TEAM

    We provide your team with additional resources to efficiently realize your legacy.

we listen to what you have to say.
request a free conversation with us.

We carefully monitor your strategic plan to ensure continuous alignment with your goals. In addition, we provide consolidated performance reporting on a periodic basis. We encourage you to communicate any significant change in your situation so that we may make the appropriate adjustments.

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