You do not need to predict markets to be financially secure.
You need a structure that does not require prediction. Blom Levy & Co. builds that structure — a practical, balance-sheet-driven strategy for financial autonomy that adapts to what the market is doing now, not to what it might do next.
What we do
Blom Levy & Co. is a California state-registered investment adviser providing integrated wealth management, financial planning, estate planning coordination, and tax planning coordination for a flat annual fee.
We are a fiduciary. We are paid only by our clients.
We take no commissions, receive no referral fees, and sell no products. We do not accept performance-based fees.
We purposefully do not obtain private credentials such as CFP, CFA, or any other credentials issued by dues-collecting private industry organizations. Credentials granted and regulated by private organizations create a false sense of competence, skill, and trust. When such credentials are granted and regulated by public regulators rather than private organizations, we will obtain them.
We do not take custody of your assets. Your cash and securities are held at an independent qualified custodian — typically Charles Schwab Institutional — under your name and your control. We cannot move your money. We cannot access your money. Every trade requires your approval before it is placed.
Who we are
The firm was founded in 2011 by Kristian L. T. Blom, who serves as Chief Investment Officer. Kristian was born in Sweden in 1963, emigrated to the United States in 1980, and has advised California families since 2008. The firm's methodology grew out of questions that conventional training did not answer well — about prediction, about risk, about why the mathematics of compounding are not symmetrical — and is most fully developed in his writing at Wealth For Life.
Aimee D. Proffitt is a minority passive partner in the firm and its relationship manager. She is also Kristian's wife, and the firm's designated succession contact. A firm with a single adviser needs a second name on the door — not for marketing, but for continuity.
Writing
Wealth For Life is where the firm's thinking lives. Longer essays on money, institutions, culture and the structural conditions that make financial autonomy possible.
Core Concept — Life Is Structural
Core Concept — The Modern Hunting Ground
Core Concept — Building A Seaworthy Ship
Approach
The methodology is balance-sheet-driven.
Bond-First portfolio construction — individual bonds held to maturity, positioned where the yield curve is currently paying the most per unit of risk.
Liability matching — bonds sized and timed to fund the obligations they're meant to cover.
Risk capacity — how much risk your balance sheet can actually bear, calculated from your assets, liabilities, income, and time horizon, not inferred from a questionnaire about your feelings.
Adaptive spending — a discipline for calculating how much you can safely withdraw each year that recalibrates as conditions change.
None of this requires you to predict markets. All of it requires the work of understanding what you actually have and what you actually need.
Who we serve
Our clients are women who are thinking about more than their own portfolios.
They are often at life transitions — inheritors, divorcees, widows, entrepreneurs, artists and athletes with successful short careers — who have come into material control of financial decisions, sometimes for the first time. They have learned that the conventional financial industry was not designed for them, and they are looking for something else. They want their wealth to last. They also want it to mean something.
Our minimum annual advisory fee is $8,000, billed $2,000 per quarter or annually in arrears. We have no minimum account size and no net worth requirement. We offer pro bono engagements to a limited number of clients.
Contact
Blom Levy & Co. is based in Santa Barbara, California. Conversations with prospective clients begin by email or phone. There is no form on this site and no calendar widget — if you reach out, you are reaching Kristian directly.
Email. kblom@blomlevy.com
Phone. 805-680-7018
Office. 552 Pintura Drive, Santa Barbara, CA 93111