# Full Bloom Financial

Full Bloom Financial is an Asset Manager based in Northville, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Northville, United States
- **Assets under management:** Undisclosed
- **Website:** fullbloomfinancial.com
- **LinkedIn:** https://www.linkedin.com/company/full-bloom-financial

## Regulatory record

- **CRD number:** 330572
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/330572

## About

Full Bloom Financial is a fee-only fiduciary firm offering faith-based, flat-fee financial planning and investment management for Christians, with specialized expertise serving women, their families, and business owners. Founder Michelle Brow is a Chartered Financial Consultant (ChFC), Certified Exit Planning Advisor (CEPA), and registered investment advisor who integrates biblically responsible investing and holistic planning. The firm serves clients locally and nationwide with in-office or virtual meetings.

## Sectors

- Christian women, their families, and business owners

## People

- Michelle Brow — Founder

## Questions

### How does Full Bloom Financial structure its compensation?

The firm operates on a fee-only compensation model, meaning it is compensated exclusively through client advisory fees. It receives no commissions from product sales, referral fees from third-party providers, or revenue-sharing arrangements with fund companies. This structure is designed to minimize conflicts of interest tied to investment recommendations.

### What is the firm's approach to retirement-income planning?

Full Bloom Financial's process integrates investment management with tax and income-distribution strategy. Advisors evaluate Social Security claiming strategies, model required minimum distributions from tax-deferred accounts, and assess opportunities for Roth conversions. The goal is to produce sustainable post-retirement cash flows while managing the client's lifetime tax liability.

### Does Full Bloom Financial use proprietary investment products?

No. The firm builds client portfolios primarily from low-cost exchange-traded funds and institutional-class mutual funds available on open markets. By avoiding proprietary products, the firm's investment committee retains flexibility to select best-in-class building blocks across asset classes without being tied to an in-house fund family.

### Who custodies client assets at Full Bloom Financial?

As a registered investment advisor, Full Bloom Financial does not custody client assets directly. Client portfolios are held at independent third-party custodians, a structure that provides an additional layer of oversight — clients receive trade confirmations and account statements directly from the custodian, separate from the firm's own performance reporting.

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Last updated: 2026-08-11T15:06:49.768Z

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