Cashflow Modelling

By leveraging personal cash flow modelling, you can take control of your finances, make proactive financial decisions and ultimately understand whether you’re doing enough to achieve the future you want. It provides a clear snapshot of how money flows in and out of your life, allowing you to identify patterns, prioritize expenses, save tax and make necessary adjustments to improve your financial situation.

What’s involved?

Income Analysis

We help you assess all your current and future sources of income, including salary, investments, rental income, and any other inflows.

Spending analysis

We help you to understand your current and future spending requirements, based upon the lifestyle you want.

Savings and Investments

We guide you in setting aside a portion of your income for emergency funds, retirement savings, and other financial goals. By integrating savings and investments into your cash flow model, you can visualize the impact of these actions on your overall financial health.

Cash Flow Analysis

We’ll analyse your cash flow by comparing your total income with your total expenses on a monthly or annual basis. This analysis helps identify any gaps or surplus in your cash flow, allowing you to adjust your spending or savings accordingly.

Goal Setting and Decision-Making

Personal cash flow modelling enables you to set realistic financial goals, such as paying off debt, saving for a down payment, or planning for a holiday. By visualizing the impact of your financial decisions on your cash flow model, you can make informed choices that align with your objectives.

What if?

Once we have completed our detailed analysis as your financial sounding board, we can run several ‘what if’ and comparison scenarios. These can really bring to life how your financial future might look and can help you to make important financial decisions based upon reasoned financial assumptions. Things like

What if I retire early?
What if I save more?
What if one of us dies?
What if one of us gets sick?
What’s best – pension or buy to let?

Other areas of advice

Estate planning

Quite simply, getting your wealth to your loved ones as easily and as tax efficiently as possible.

Family protection

“It will never happen to me.” Whatever ‘it’ is, sometimes ‘it’ does. Can you be sure that if the worst happens your family will have financial protection?

Retirement planning

What does your perfect retirement look like? Have you done enough? Are you going to be OK? These are all questions we can help you answer.

Planning for business owners

Running a business creates many opportunities for you to grow your wealth and plan for your financial freedom. Your business finances and personal finances are often inextricably linked.

Wealth management

We carefully and independently research our financial products and investment portfolios, using our access to market leading investment research and our years of expertise.