Terms & Conditions.
These terms govern your use of the Full Bloom Wealth website and any services engaged through it. Please read them carefully.
1. Acceptance of Terms
These Terms & Conditions ("Terms") constitute a binding agreement between you and Full Bloom Wealth ("Full Bloom Wealth," "we," "us," or "our"). By accessing or using our website at fullbloomwealth.com, scheduling a consultation, or engaging our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.
2. Services Provided
Full Bloom Wealth is a financial planning and advisory firm. Our services may include:
- Financial planning and decision-coordination across investments, tax positioning, cash flow, insurance, estate considerations, and business planning
- Discovery and diagnostic consultations
- Strategy design and implementation coordination
- Ongoing advisory and relationship management
- Coordination with your existing professionals (CPAs, attorneys, custodians, insurance carriers)
Investment management services, when elected by you, are provided through a separate engagement with our affiliated registered investment advisor, Atlas Financial. Insurance services, when elected, may be implemented through Full Bloom Wealth acting in an agent capacity.
3. Engagement & Fees
Specific services, scope, fees, and payment terms are governed by a separate written engagement letter or service agreement signed by you and Full Bloom Wealth. The fee schedule and payment cadence (one-time, monthly, quarterly, or annual) will be disclosed in that document before services begin.
Fees may include planning fees, ongoing advisory fees, investment management fees (governed by the separate RIA engagement), and insurance commissions when applicable. Payment is processed through Stripe or another payment processor we designate. By providing payment information, you authorize us to charge the applicable fees according to the agreed schedule.
4. Client Responsibilities
You agree to:
- Provide accurate, complete, and current information relevant to your financial situation
- Notify us of material changes to your circumstances
- Review recommendations and documents we provide
- Make your own decisions regarding implementation and acknowledge that implementation through Full Bloom Wealth is always optional
- Maintain the security of any login credentials we provide
5. Scope & Disclaimers
Past performance is not indicative of future results. No outcome, investment return, tax savings, or planning result is guaranteed. Recommendations are planning-driven and client-specific.
6. Investment Advisory & Atlas Financial
Investment advisory services are offered through Atlas Financial, a registered investment advisor with which Full Bloom Wealth is affiliated. Clients who engage in investment management services do so through a separate written RIA agreement that governs scope, fees, disclosures, conflicts, and client rights.
Investment management is optional. You may receive planning and coordination from us without implementing investment strategies through Atlas Financial.
7. Insurance Services
When you elect to implement insurance through Full Bloom Wealth, we may act in an agent capacity and may receive commissions from carriers. Compensation varies by carrier, product type, underwriting class, and policy design. Recommendations are driven by client need, policy suitability, and carrier quality — not compensation. You are not obligated to implement insurance strategies through us.
8. Confidentiality
We treat your financial and personal information as confidential and handle it consistent with our Privacy Policy. We may share information with affiliated entities, service providers, regulatory bodies, or as required by law.
9. Intellectual Property
All content on the Full Bloom Wealth website — including text, graphics, logos, the Full Bloom Wealth name and mark, planning frameworks, methodology documents, and proprietary materials — is the property of Full Bloom Wealth or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.
10. Limitation of Liability
To the maximum extent permitted by law, Full Bloom Wealth, its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to these Terms or your use of our website or services. Our total aggregate liability under these Terms shall not exceed the fees paid to us in the twelve (12) months preceding the claim.
Nothing in these Terms limits liability that cannot be limited under applicable law.
11. Indemnification
You agree to indemnify and hold harmless Full Bloom Wealth and its affiliates from any third-party claims arising from your violation of these Terms, your misuse of our services, or your provision of inaccurate information to us.
12. Termination
Either party may terminate the advisory relationship as described in the separate engagement letter. Upon termination, you remain responsible for fees earned through the termination date. Sections of these Terms that by their nature should survive termination (including confidentiality, limitation of liability, and intellectual property) shall survive.
13. Governing Law & Dispute Resolution
These Terms are governed by the laws of the [State — replace with the state of governing law applicable to your firm before publishing] without regard to its conflict-of-law principles. Any dispute arising out of or relating to these Terms shall be resolved exclusively in the state or federal courts located in [County, State — replace with applicable venue], and you consent to the personal jurisdiction of those courts.
14. Changes to These Terms
We may update these Terms from time to time. Updates will be posted on this page with a revised "Last updated" date. Material changes will be communicated where reasonably feasible. Continued use of our website or services after changes take effect constitutes acceptance of the revised Terms.
15. Contact Us
Questions about these Terms? Contact us:
Full Bloom Wealth
Email: [email protected]
Web: https://www.fullbloomwealth.com