Real people, real wins. See how we’ve helped clients take their financial game to the next level with bespoke strategies tailored to their goals.
Tim and Lara, parents of two young children, were looking for ways to fund their children’s education without compromising their financial stability. Living in Melbourne, they understood the hefty costs of a quality education, with expenses projected for up to $109,000 for 13 years in a government school. Ancillary costs only added to their concerns.
Bloom guided them to a smart solution: Education Bonds. Starting with an initial $25,000 investment and regular contributions of $500 per month, Tim and Lara’s portfolio is growing steadily. Over a 20-year term, their strategy likely will not only secure their children’s future but also deliver significant tax savings— a projected $52,800 in total.
With Bloom’s expertise, Tim and Lara are turning their financial worries into a well-managed plan, ensuring their children have the opportunities they deserve without unnecessary stress.
John, a 68-year-old retiree in Melbourne, faced the exciting yet daunting challenge of planning his next chapter. With a combined $1.5 million of investable cash (inside and outside super), $500,000 in superannuation, and proceeds from a recently sold investment property, John wanted to ensure he could enjoy his golden years while preserving his wealth for future generations.
John approached Bloom with three key concerns: ensuring a stable income of $60,000 per year, protecting his assets from market downturns, and maintaining access to emergency funds. Bloom’s team designed a tailored plan that included a diversified investment portfolio, guaranteed income strategies, and access to liquid assets when needed.
Thanks to Bloom’s careful planning, John now enjoys a comfortable, self-funded retirement and peace of mind, knowing he will leave behind a legacy for his grandchildren.
At 32, Erin was thriving in her career, earning a base salary of $190,000 plus bonuses and shares. With $150,000 in savings and a top marginal tax rate, Erin sought our guidance to grow her wealth while maintaining accessibility to her funds, so she’d have the flexibility to travel.
Recognising Erin’s desire for access to her funds, Bloom crafted a dual strategy. A portion of her surplus income was directed to superannuation for long-term tax savings, while another portion was invested in a flexible, easy-access portfolio. Starting with a $50,000 initial investment and consistent monthly contributions, Erin’s portfolio is projected to grow to over $300,000 in ten years. This approach not only saved her $30,000 in taxes but also allowed her to enjoy life while building her future.
Erin now balances her financial goals and travel lifestyle seamlessly, thanks to Bloom’s strategic guidance.
Andreas, the sole income earner for his family of four, was worried about his inadequate insurance coverage. With a $1.3 million mortgage and two young children, Andreas needed to ensure his family would be financially secure if anything happened to him.
Upon review, one of our Bloom professionals discovered significant gaps in his existing coverage. Andreas’ income protection and life insurance were far below what his family would need in an emergency. Bloom restructured his insurance policies, providing comprehensive coverage for life, income protection, and trauma insurance while optimising tax efficiency to reduce premiums.
Now, Andreas has peace of mind, knowing his family is fully protected and financially secure, no matter what life throws their way.
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