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BFM enables its clients to enjoy comfortable retirement through independent financial expert advice and balanced long-term investments. We specialize in providing comprehensive and unbiased solutions to individuals and their families. We apply our unique perspectives to each client. BFM specializes in increasing the wealth and retirement income of its clients, investment education, and customized financial planning for estate preservation and asset allocation optimization. We believe that the optimal allocations among assets are influenced by such factors as age, risk aversion, probability of survival, utility of bequest, and the expected risk and return trade-offs of various investments.