About Blossom Wealth Management, LLC

At Blossom Wealth Management, LLC, our clients come to us for a variety of reasons. We believe that most want the expertise of our investment management. Many want us to integrate their tax, philanthropic and estate plans. Some want us to bring simplicity to complexities. All of them want to sleep well at night. Your investment goals are important to us. We understand that risk tolerance and time frame vary from one person to the next. We learn about each client so that we may design customized portfolios. We educate our clients on the investment landscape and demonstrate how diversified holdings blend together to form a cohesive portfolio.

General Information Years of Experience in Financial Services:    20 Gender:    Male CRD#:    4512665 Work Experience:    Founder, CEO at Blossom Wealth Management Director, Clean Tech and West Coast Operations at Capistrano Global Advisory Services Adjunct Instructor, Business Department at Dominican University of California Assistant Coach at Mustang Soccer Council Member at International Business Advisory Council Private Wealth Management at Smith Barney Financial Advisor at Merrill Lynch Financial Advisor/Advisor Coach at Ameriprise Financial Advisors Firm CRD#:    150402 States Licensed in:    Registered with the U.S. Securities and Exchange Commission and notice filed in CA, IL, and TX. Name of Custodial Firm:    Charles Schwab & Co Inc. Number of Years with Current Firm:    13 Insurance License#:    CA OD64714 (George) & CA OF75024 (James) Work with the following types of clients:    Investment Clubs, Businesses, Individual Investors, Non-Profit Organizations States Willing to do Business in:    Alameda,Albany,Berkeley,Castro Valley,Concord,Danville,Dublin,El Cerrito,El Sobrante,Emeryville,Fremont,Hayward,Hercules,Lafayette,Livermore,Martinez,Moraga,Oakland,Orinda,Pleasant Hill,Pleasanton,Redwood City,San Francisco,San Mateo,San Ramon,Sunol,Walnut Creek,All States. Advisory Services Provided:    Tax Advice and Services, Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Risk Management, Money Management, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting

Education Academic Background   University of San Diego School of Law Juris Doctor , Law , 1999 - 2002 While at USD, I was President of the Mediation Clinic. We partnered with a local small claims court and attempted to help litigants come to a settlement rather than take their chances in the courtroom. It was a pressure filled experience that was very rewarding. Highest Grade in Class in International Business Transactions, 2001 Activities and Societies: Pro Bono Dominican University of California MBA , Pacific Basin Studies , 1997 - 1999 Activities and Societies: During the summer of 1998 I was able to work in Ghana for Ashanti Goldfields and then travel through Spain. That "winter" I was was in Brazil. Before law school started I lived in the Rhinegau region of Germany. Dominican University of California BA , Political Science , 1995 - 1997 Activities and Societies: Played soccer with Domincan through the MBA. Palomar College AA , Liberal Studies , 1993 - 1995

Services Investment Types:    Mutual Funds, Options & Futures, Bonds, Stocks, Insurance, Commodities, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI) Can meet clients in the following ways:    Your Office, Email, Phone, Our Office, Your Home, Our Offices, Video Conference

Qualifications & Memberships Certifications, Accreditations & Designations:    CFP®, JD, MBA Securities Licenses:    Series 7, Series 63, Series 65 Insurance and Annuity Licenses:    Variable Life, Long Term Care, Life, Health, Annuity Financial Organization Memberships:    Financial Planning Association (FPA) Non-Financial Organization Memberships:    George's hobbies include running, mountain biking, and, especially, playing soccer. He and his wife, Nicole Davidson, recently celebrated their 5th wedding anniversary in Belize. They enjoy traveling, international cuisine, and hiking. George is also an Eagle Scout.

Firm Information Assets Managed by Firm:    200MM+ Assets Managed by Advisor:    200 MM + Advisor's Number of Clients:    175+ Firm's Number of Clients:    175+ Advisor's Number of Planning Clients:    50+ Advisor's Number of Managed Clients:    150+ Firm's Number of Planning Clients:    50+ Firm's Number of Managed Clients:    150+

Compliance Criminal Disclosures in Last 5 years:    I have a clean record Compliance Disclosures in Last 5 years:    I have a clean record Registered Investment Advisor:    Yes Acknowledged fiduciary:    Yes

Compensation and Fees Hourly Rate:    250 Fee % Based on Assets:    .10 - 1.75 Additional Details on Charges:    Based on Assets. There may be trading fees or internal manager fees depending on the strategy selected. Compensation Methods:    Based on Assets, Hourly, Flat Fee, Commissions Minimum Fee Charged for Managed Accounts:    NA Fee Structure:    Fee-Based Minimum Fee Charged for Hourly Planning Accounts:    NA

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	Why should I choose you as my financial advisor?

Q.	How do you charge for your services?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	What are your qualifications?

Q.	What is your approach to 401 K plan rollovers?

Q.	How long does the process of rolling over a 401K plan usually take?

Q.	What financial institutions do you represent?

Q.	How many years of experience do you have?

Q.	What are your fees for this service?

Q.	How many 401K rollover clients do you currently manage?

Q.	Why should I roll over my 401K plan to your firm?

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Q.	Do you have a customer satisfaction or refund policy?
No. We however do believe customer service is a key to growing our business.

Q.

What are your qualifications? What is your education background?

Blossom Wealth Management works with a variety of clients. We understand that risk tolerance and time frame vary from one person to the next. We learn about each client so that we can design customized portfolios. We believe in educating our clients on the investment landscape and demonstrate how diversified holdings blend together to form a cohesive portfolio. All this is achieved through our five step financial planning process.

Q.	How are you compensated? How will I pay for your services?
The fees are automatically withdrawn from client account on a quarterly basis.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Most of our clients grant us discretion to conduct transactions within predetermined guidelines and levels of risk. Other clients have concentrated positions or extraordinary circumstances that require an ad hoc approach to their portfolio management.

Q.	How many clients do you currently manage?
We have over 175 clients.

Q.	Will you be the only person working with me?
The client advisor relationship includes working with George, James or Craig. The Blossom team works together to design portfolios, review asset allocation, monitor strategy implementation and execute retirement plans. We also benefit from a support team at Charles Schwab that assists advisers like ours with custodial back office services.

Q.	Do you offer any guaranteed results?
No.

Q.	How much risk should I be willing to take?
This is a very personal decision. To answer this question, we would need to learn more about your family history, employment status, other income and resources, cash flow, and short-term needs, among other things.

Q.	Have you ever been charged with any breaches?
No. Please reference our broker check which can be located at https://brokercheck.finra.org/.

Q.	What is your approach to financial planning?
Blossom Wealth Management works with a variety of clients. We believe that risk tolerance and time frame vary from one person to the next. We learn about each client so that we can design customized portfolios. We educate our clients on the investment landscape and demonstrate how diversified holdings blend together to form a cohesive portfolio.

Q.	What services do you offer?
We offer holistic wealth management strategies. Over the course of our relationship, we generally discuss financial planning, retirement goals, education planning, insurance needs, estate planning, portfolio management, and family values. We also specialize in the management and creation of individual stock investment strategies.

Q.

Why should I choose you as my financial advisor?

George Salter has a BA and MBA from Dominican University of California; JD from the University of San Diego, School of Law; and CFP® designation from the College for Financial Planning. James Salter has a BA and MBA from Dominican University of California and also holds the designation of Accredited Investment Fiduciary or AIF®. Craig's education began at California Polytechnic State University, San Luis Obispo. During his five years of college, he received two degrees, one in Financial Management as a B.S. and the other in Accounting from the Business School. Craig also has a Masters in Financial Services from Golden Gate University, he holds the CERTIFIED FINANCIAL PLANNER™ or CFP® designation and has completed the Chartered Financial Analyst designation or CFA.

Q.

How do you charge for your services?

Blossom Wealth Management charges an annual fee for Investment Management Services. Our fees are based on a percentage of assets under management and the services provided. A client with $250K at our highest annual rate of 1.75% would be charged $4,375.00 annually. The fees are automatically withdrawn from client account on a quarterly basis. Therefore, for the initial quarter only the amount would be calculated as follows: 0.00438 (1.75%/4) X account value ($250k) = $4,375.00

Q.	What services do you provide? What are your specialties?
We offer holistic wealth management strategies. Over the course of our relationship, we generally discuss financial planning, retirement goals, education planning, insurance needs, estate planning, portfolio management, and family values. We also specialize in the management and creation of individual stock investment strategies.

Q.

What is your experience? How many clients do you currently manage?

George began his career with Ameriprise Advisors a financial planning company in 2002. He then spent five years at wire houses (Merrill Lynch and Smith Barney). Before that George worked at a gold mine in Africa and performed extensive research in behavioral finance during law school. James worked in a family office environment prior to partnering with George at Smith Barney. Craig Braemer worked at Fisher Investments, as an analyst. After six years, he joined a larger organization, Merus Capital Management, a division of Bank of California to improve his analytical skills and follow more specific industries. This firm, after several name changes, became High Mark Capital Management. It was owned by Union Bank and kept Craig busy for almost 24 years. During this time he was a Research Analyst, Assistant Fund Managery-HighMark Growth Fund, Portfolio Fund Manager-High Mark Growth Fund, Director of Investments, Senior Portfolio Manager and Investment Executive.

Q.	What financial institution(s) do you represent?
Blossom Wealth Management is a registered investment adviser. Charles Schwab is our custodian where assets will be held.

Q.

What are your qualifications?

You also want someone with experience. Amongst our team, we have over 70 years of combined financial planning and investment experience. Another consideration is education. In total we have 12 years of post-high school education, including 5 graduate degrees. Lastly, we believe that you can benefit greatly from a Financial Planner. We are committed to helping individuals, families, and organizations grow, utilize and protect their assets. We also provide guidance on the transfer of wealth to future generations.

Q.	What is your approach to 401 K plan rollovers?
We educate our clients on their choices. Each has a different advantages and disadvantages in terms of investments, fees, withdrawal rules, required minimum distributions, taxes and protection from creditors. As you weigh the pros and cons of each approach, we can help you understand which possible course of action aligns with your retirement goals.

Q.	How long does the process of rolling over a 401K plan usually take?
About 7 business days but this timeframe can vary. However, before a IRA rollover can be initiated we need to review if its in your best interest to move funds. This is accomplished by conducting an IRA Rollover Analysis.

Q.	What financial institutions do you represent?
Blossom Wealth Management is a registered investment advisor. We have complete flexibility to use almost any financial institution's products due to our open architecture. Charles Schwab is our main custodian.

Q.	How many years of experience do you have?
You also want someone with experience. Amongst our team, we have over 70 years of combined financial planning and investment experience. Another consideration is education. In total we have 12 years of post-high school education, including 5 graduate degrees. Lastly, we believe that you can benefit greatly from a Financial Planner.

Q.

What are your fees for this service?

Blossom Wealth Management charges an annual fee for Investment Management Services. Our fees are based on a percentage of assets under management and the services provided. A client with $250K at our highest annual rate of 1.75% would be charged $4,375.00 annually. The fees are automatically withdrawn from client account on a quarterly basis. Therefore, for the initial quarter only the amount would be calculated as follows: 0.00438 (1.75%/4) X account value ($250k) = $4,375.00.

Q.	How many 401K rollover clients do you currently manage?
This number is changing regularity and glad to discuss current numbers.

Q.	Why should I roll over my 401K plan to your firm?
We educate our clients on their choices. Each retirement plan has a different advantages and disadvantages in terms of investments, fees, withdrawal rules, required minimum distributions, taxes and protection from creditors. As you weigh the pros and cons of each approach, we can help you understand which possible course of action aligns with your retirement goals.