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. Discover how annual financial “winterizing” can help you avoid costly mistakes and set yourself up for success in 2026. With relatable food analogies and actionable advice, this conversation makes financial chores feel less daunting—and more rewarding.   Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

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 budget and underestimating retirement costs. Discover how everyday choices, like borrowing from your 401(k) or relying only on pre-tax accounts, can impact your nest egg. Packed with relatable analogies and practical insights, this conversation will help you spot—and stop—bad habits before they derail your retirement.   Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

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 differ from stocks and bonds, what risks to watch for, and how to avoid common mistakes. Edgar shares practical examples and insights to help you decide if structured notes belong in your portfolio. If you’re seeking new ways to preserve wealth and add flexibility to your retirement strategy, this episode is packed with clarity and actionable ideas.   Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516  

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 approach, why retirement planning is more than numbers, and how storytelling and community service fuel his work. From brisket analogies to lessons in resilience, Edgar reveals the heart behind Bloom Financial’s mission. Tune in for insights, inspiration, and a few surprises along the way.   Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

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’t about chasing trends—it’s about building a plate that fits your financial appetite. Whether you're new to investing or reevaluating your retirement strategy, this episode offers a fresh perspective on how to balance risk, goals, and personal comfort.   Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

What if the most overlooked financial tool could be the one that saves your family from crisis? In this episode of The Retirement Journey, Edgar Torres, founder of Bloom Financial, unpacks the emotional and practical sides of life insurance. From common misconceptions to flexible coverage options for freelancers and caregivers, he explores how life insurance can be more than just a policy—it can be a lifeline. With real stories and relatable analogies, this conversation brings clarity to a topic many avoid but few can afford to ignore.   Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

Is retirement really just one long weekend—or a financial minefield in disguise? In this episode of The Retirement Journey, Kacey sits down with Edgar Torres of Bloom Financial to unpack five costly mistakes retirees often make: overspending, ignoring inflation, underestimating medical expenses, claiming Social Security too early, and retiring before they’re truly ready. With real-life examples and practical strategies, Edgar shares how to build guardrails that protect your future while enjoying today. Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

What if retirement isn’t about slowing down—but rewiring your life? In this episode of The Retirement Journey, financial advisor Edgar Torres breaks down the real cost of retirement, from inflation and taxes to healthcare and hidden lifestyle expenses. Learn why planning isn’t just about a number—it’s about building a future that fits your life. With stories, analogies (including brisket!), and practical strategies, Edgar helps listeners rethink retirement with clarity and confidence. Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

On this episode of The Retirement Journey Podcast, Edgar discusses essential tax strategies for retirement, focusing on tax deferral and tax mitigation. They clarify the differences between these concepts, highlight common mistakes individuals make in tax planning, and share effective strategies for both individuals and business owners. Edgar provides insights into real-life success stories and emphasizes the importance of having a long-term tax strategy, including the benefits of HSAs and Roth conversions. Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

On this episode of The Retirement Journey Podcast, Edgar discusses critical financial red flags that retirees should be aware of. They explore the importance of having a solid income plan, understanding spending habits, and recognizing potential scams targeting retirees. The conversation emphasizes the need for balance in investment strategies and the value of having a trusted financial advisor to navigate retirement planning successfully. Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

On this episode of The Retirement Journey, Edgar Torres delves into the world of annuities, breaking down what they are, how they work, and their relevance in retirement planning. He discusses the different types of annuities, the factors influencing annuity rates, and the importance of working with a financial professional to tailor annuity options to individual needs. The conversation emphasizes the current favorable interest rate environment for annuities and the necessity of understanding personal financial circumstances when considering these products. Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516  

On this episode, Edgar discusses the complexities of retirement taxes, including how different income streams are taxed, strategies to minimize tax liability, and the importance of planning for required minimum distributions (RMDs). He also explores tax-efficient ways to gift assets and leave a legacy for loved ones. The conversation emphasizes the need for proactive financial planning to navigate the tax landscape in retirement effectively. Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516  

Welcome to ‘The Retirement Journey,’ featuring Edgar Torres of Bloom Financial Private Wealth Management!Join us each week as we dive into the wide world of financial planning. Saving and building for your future involves much more than tracking the bottom line of an account every month. With each episode, Edgar and co-host Kacey Biddy discuss current topics including daily finances, retirement planning, investment strategy, and building a lasting legacy. ‘The Retirement Journey’ is available wherever you find your favorite podcasts and is ready to keep you confident and informed about wherever your financial future is taking you.

On this episode of The Retirement Journey Podcast, Edgar discusses the fundamentals of 401k plans, including their importance in retirement planning, the differences between traditional and Roth 401k options, and the significance of compounding interest. He also explores how to choose investment options within a 401k, the need to adjust strategies as one approaches retirement age, and how to effectively utilize 401k funds once retired.    Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

In the inaugural episode of The Retirement Journey, Edgar Torres discusses the importance of financial planning for retirement. Edgar shares his diverse background and the journey that led him to become a financial advisor. The conversation covers the services offered by Bloom Financial, the qualities to look for in a financial advisor, common misconceptions about the industry, and practical advice for those feeling overwhelmed about retirement planning. The episode emphasizes the importance of personalized financial advice and encourages listeners to take proactive steps towards their retirement goals. Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516