Bloom Financial
Independent financial advisor company empowering your retirement dreams with personalized planning. What’s keeping you up at night about your financial future?
Everything you want is already on its way to you.
Stay aligned. Stay open. Trust the timing.
You’re not behind—you’re being prepared.
Your energy is your currency—spend it wisely.
If this resonates, it’s for you.
Delaying Social Security could change your entire retirement.
Take pre-tax money first → let your benefit grow.
Result:
• Lower taxes early
• Potentially reduce future RMDs
• Bigger Social Security later
Most people don’t realize Social Security can be taxed up to 85%.
Timing matters more than you think.
Opportunities presented to you are probably not random.
During one circumstance we were able to increase a potential client's income by over $8,000 a year just by updating a type of contract that she invested in about 30 years ago.
A couple signatures, a suitability review by our team and then an increased income of over $8,000 a year.
Going from $42,000 to over $50,000 of income is a big jump.
Seems like a no-brainer, right?
Well, she did not proceed with this opportunity. Wanted to keep her old contract. Was stuck keeping it for some reason.
The company was the exact same. Type of contract was just updated. Simple as that.
These little mistakes turn into big ones when you do the math.
When you want to Retire As You Desire, you want to get the most income out of your assets. This was an ideal time to do this!
That $8,000 a year increase could net her higher income each month, too, if her investments in the underlying contract grew.
At a retirement age of 65 and if life allowed her to live to 85, that's an approximate $160,000 additional income lost.
So not only is she losing an additional annual income based on today's opportunities, she is losing out on future higher income amounts, too.
It is frustrating and sad to see someone not move forward with opportunities that are geared toward making someone's life even better.
The moral of the story here is always be open to additional income opportunities.
With inflation that is here to stay in my opinion, you may need that higher income!
-Bill
Most financial advice focuses on returns.
Very little focuses on structure.
That’s why so many high-net-worth retirees still feel uncertain.
Bill wrote these books to fix that.
If you want clarity instead of constant second-guessing — this is for you.
Comment “BOOK” and we’ll send the link.
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| Tuesday | 9am - 6pm |
| Wednesday | 9am - 6pm |
| Thursday | 9am - 6pm |
| Friday | 9am - 4pm |
