Investing with
Bloom Investment Counsel:

Personalized Portfolios to Provide Stable Cash Flow

Our Methodology

At Bloom, we seek an overall total return approach for our clients through capital gains and dividend income.

We believe that generating independent cash flow is central to the success of our clients’ portfolios because it provides capital for the present day, if needed, while continuing to preserve and build wealth for the future.

Our Approach

Whether it is your desire to have a steady stream of income for your retirement, to fund philanthropic ambitions or to generate independent cash flow, Bloom can help you meet your objectives through a personalized investment portfolio to provide stable cash flow.

As an investment counselling firm, Bloom’s investment approach is centred around our belief in the long-term benefits of investing in dividend paying stocks. We believe these types of investments help provide our clients with comfort to invest in the stock market.

Dividend paying stocks have many benefits including:

Preserve Capital at times
of Market Volatility

Dividend paying stocks have not only been less volatile, but also outperformed the broader market over many decades. Volatility in stock markets make it difficult for investors to preserve their capital while attaining a reasonable level of income. Dividend paying stocks can provide this level of income.

Benefits to Canadian Taxable Investors

Investing in dividend paying stocks substantially increases the after-tax rate of return for Canadian taxable investors given that dividends are taxed at a lower rate than other income.

Discipline on Corporate Management Teams

Companies that pay dividends need to set aside cash for this purpose. This gives management less flexibility for free cash flow deployment as a significant amount of cash flow is already dedicated to dividends and distributions.

Staying ahead in a Low Interest Rate or Inflationary Environment

In a low interest rate environment, interest payments on fixed income investments such as GICs are often insufficient to keep pace with the rate of inflation given that their payments are fixed and do not increase with inflation. Dividends, on the other hand, can and often are increased based on inflation affected earnings. Investing in dividend paying stocks can therefore help you stay ahead.

Our Personalized Portfolio Building Process

Based on your unique situation, we will work with you to understand your financial situation to create a customized investment portfolio to meet your financial objectives.



We will work together with you to understand your unique long-term financial needs, objectives and goals, as well as preferences and constraints on your invested capital.



We will then define an Investment Policy Statement for you that captures all your considerations that must be met and accounted for. This document is a governing document that sets appropriate guidelines on portfolio construction and ongoing management, based on Step 1.



We will construct your personalized portfolio that balances growth and cash flow (if needed), integrating market conditions and security-specific dynamics, to deliver on your unique long-term financial needs, objectives and goals.

Are you ready to meet your financial objectives?

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