When ‘Tax Free’ Sounds Too Good to Be True

What if someone told you they could complete a Roth conversion with no taxes at all — for a hefty fee? In this episode of The Retirement Journey, Edgar Torres unpacks a cautionary story that highlights why “too good to be true” claims can be dangerous. He’ll break down how Roth conversions really w…

Are You Accidentally Setting Yourself Up for Retirement Trouble?

What if the biggest retirement risks look nothing like what you expect — even when you’ve planned well? In this episode, Edgar Torres breaks down the major roadblocks many retirees face, from entering retirement without a written plan to underestimating expenses, facing health‑care curveballs, over…

Four Financial Talks Every Couple Needs Before Retirement

What if the most important conversations in your relationship are the ones you’ve been avoiding? In this episode, Edgar Torres breaks down the four essential money talks every couple should have – especially in retirement. From navigating different spending styles to balancing risk, creating a back…

Legacy Planning: It’s Not Just for Millionaires

Is legacy planning just for the ultra-wealthy? In this episode, host and investment advisor representative, Edgar Torres of Bloom Financial Private Wealth Management breaks down why everyone needs a plan for their assets, wishes, and family harmony. Edgar shares real-life stories about the risks of…

Setting Your Financial Rudder for the New Year

How do you set the right financial course as you step into a new year? In this episode, host and investment advisor representative, Edgar Torres of Bloom Financial Private Wealth Management discusses the power of small, intentional changes in your retirement strategy. Edgar shares practical insight…

Winterize Your Wallet: Year-End Moves for 2026 Success

Is your financial plan ready for the new year, or is it stuck in last season’s routine? In this episode, Edgar Torres of Bloom Financial shares practical steps for your year-end financial checklist, from reviewing goals and topping off contributions to smart tax moves and charitable giving. Discove…

Are Your Habits Aging Your Retirement Plan?

Scrolling your phone at bedtime can age your brain—but what about the habits that age your retirement plan? In this episode, Edgar Torres of Bloom Financial breaks down the financial missteps that can sabotage your future, from waiting to save and missing company matches, to spending without a budg…

Beyond Stocks & Bonds: Exploring the Power of Structured Notes

Curious about structured notes and how they fit into your retirement plan? In this episode of The Retirement Journey Podcast, Edgar Torres breaks down the basics of structured notes—what they are, how they work, and why they might be worth considering. Learn how these customizable investments diffe…

From Brisket to Bloom: Edgar Torres’ Retirement Recipe

What inspires someone to help thousands bloom financially? In this episode, Edgar Torres shares his journey from guiding teachers and public servants through pension benefits to helping families and business owners build futures that fit their lives. Discover how Edgar’s personal story shaped his a…

Not Your Average Buffet: What ETFs Really Bring to the Table

What do Indian food, salsa, and investment portfolios have in common? In this flavorful episode of The Retirement Journey, Edgar Torres tackles the world of alternative investments using relatable analogies and real-life stories. From ETFs to asset classes, Edgar breaks down how diversification isn…