Cash Flow Modelling

We start with the end goal in mind and work backwards. What does your ideal future look like (within reason!). How much money will you need on a monthly basis to achieve this?

Once we have a good understanding of this, the software does the rest by taking into account all of your existing income, expenditure, assets, liabilities, savings, investments and pensions. Based on these inputs, and with various assumptions around inflation, interest rates & investment growth, the outputs produced illustrate whether you are on track to achieve your vision, along with various other useful insights to help you make decisions. Your adviser will work with you to examine and interpret the model, helping you build financial resilience and tweaking the plan where there are gaps.  

Cash flow modelling helps you consider and make decisions on the following types of questions:

- When can I afford to retire / semi retire?
- How much can I afford to spend in retirement?
- Am I saving enough for retirement?
- Can I afford to gift money to my kids?
- How do I ensure I have enough money if things change in the future and I need to pay for long term care?
- How much risk do I need to be taking with my investments?
- Should I overpay my mortgage or focus on investments?
- What would happen if my partner died before me?
- If we both died tomorrow how much inheritance tax would we owe? And what can we do about it?