Terms & Conditions.

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 LLC ("FBW" or "Full Bloom Wealth") is a consulting and wealth strategy firm. Investment advisory services are offered exclusively through ATFS Advisers LLC, an SEC-registered investment adviser. Insurance products may be offered through FBW, and commissions may be received when clients elect to acquire insurance products from Full Bloom Wealth. Clients are under no obligation to implement investments or insurance through FBW, ATFS Advisers LLC, or any other affiliated or unaffiliated entities.

The information on this website is provided for informational and educational purposes only and does not constitute investment, tax, legal, accounting, or insurance advice, nor does it create an advisory relationship. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal. 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