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bloomflow.app/cashflow

Client

James Worthington

Age 68 · Retires at 65

Cashflow
Net Worth
Assumptions
Reports
Open Banking

Assumptions

Growth rate5.0%
Inflation2.5%
Tax rate20%

Net Worth

£2.4m

Annual Income

£84k

Annual Expenses

£62k

Net Surplus

£22k

Projected Cashflow

AssetsIncomeExpenses
£3m£2m£1m£0Retired202420302035204020452050

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Cashflow Modelling

Cashflow modelling that makes sense

Show clients a 30-year picture of their financial future. Update assumptions in real time and watch the projection change instantly.

  • 30-year projections updated in real time
  • What If scenario builder — retire at 55 or 65?
  • Inflation and growth rate assumptions

Projected Cashflow

James Worthington · Base scenario

BaseRetire at 55
£2m£1m500k£0Retirement20252030203520402045

Net Worth at 85

£1.8m

Annual Income

£84,000

Surplus p/a

£22,000

bloomflow.app/portal/my-plan
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My Plan

Good morning, James

Net Worth

£1,240,000

▲ 4.2% this year

Monthly Income

£6,200

Pension + ISA drawdown

Budget Buckets

On track
Fixed£2,100
Flexible£800
Non-Monthly£450
Client Portal

A portal your clients will actually use

Give every client their own beautiful financial dashboard — accessible on any device, updated automatically.

  • Clients see their full financial picture
  • Mine / Theirs / Ours — built for couples
  • Budget buckets, sinking funds, net worth tracker
Open Banking

Open Banking — see the real picture

Connect your clients' bank accounts and watch transactions flow in automatically, categorised and ready to analyse.

  • Connect bank accounts securely via TrueLayer
  • Transactions auto-categorised into 12 spending categories
  • Subscription detection — never miss a recurring charge
🏦

Barclays Current Account

Connected · Last synced 2 mins ago

Live

Recent Transactions

🏠

Halifax Mortgage

Housing

-£1,240
🛒

Waitrose

Food & Drink

-£89.40
🚗

Shell Petrol

Transport

-£72.50
📺

Netflix · Monthly

Subscriptions

-£17.99
💰

Pension Payment

Income

+£3,200
🏥

Bupa Premium

Health

-£48.00

Monthly Summary

🏠

£1,240

Housing

🛒

£380

Food

🚗

£215

Transport

PDF Reports

Professional PDF reports in one click

Generate branded, compliance-ready reports with your firm's logo and colours. Impress clients with documentation that looks as good as your advice.

Prepared by

Arthur Browns Wealth Management

Authorised and regulated by the FCA

🌱

Cashflow Report

James Worthington

Prepared 18 March 2026 · Retirement Planning Review

Portfolio Value

£1,240,000

Projected at 85

£1,800,000

Annual Income

£84,000

Annual Expenses

£62,000

Adviser Note

Based on the assumptions discussed, your portfolio is on track to sustain your retirement income through to age 95, with a projected surplus of £1.8m. We recommend reviewing assumptions annually.

Page 1 of 8

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Income Reconciliation

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  • Automatic matching against expected adviser fees
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  • Commission tracking and reconciliation dashboard
bloomflow.app/back-office/fees

Fee Reconciliation

3 statements

Expected

£12,450

Received

£11,890

Variance

-£560

ProviderClientExpectedReceivedStatus
Royal LondonJ. Smith£340£340Matched
L&GP. Domnick£520£520Matched
QuilterS. Williams£280£0Missing
AJ BellM. Brown£180£180Matched
AvivaR. Taylor£410£130Underpaid

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L&G

Fee statements

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Royal London

Fee statements

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Quilter

Fee statements

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AJ Bell

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UnderwriteMe

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What advisers are saying

Real feedback from IFAs using Bloom every day

Switched from CashCalc 6 months ago and haven't looked back. The cashflow interface is miles ahead and clients actually understand it.

SM

Sarah M.

IFA, Manchester

My clients actually log in and check their portal. Never happened with any other tool. The Mine/Theirs/Ours view is genius for couples.

JT

James T.

Chartered Financial Planner, London

The cashflow scenarios are the best I've seen at this price point. Being able to show retire at 55 vs 65 in seconds changes client conversations.

DR

David R.

IFA, London

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