Lifetime cashflow modelling

Lifetime cashflow modelling is a vital part of what we do. It’s the tool we use to see into your financial future. It helps us consolidate and condense all your vital financial information in one place: income, expenditure, assets, debt, or potential events that may affect your position in the future.

The difference it makes can be truly amazing

Having a complete picture of your cashflow gives you the ultimate reality check. We remove the guesswork and allow you to make informed decisions. Sometimes life changing ones. Among other things we can use the cashflow model to establish how much you need to earn or save. For one client we helped determine how much he needed to sell his business for; for another client, we gave her the freedom to retire far earlier than she had ever dreamed.

The more information we have, the better we will be at predicting your financial future

To achieve this detailed level of planning, we summarise information about your current and future income, your expenditure, any likely calls on your capital for things such as weddings, buying a new car, helping children and grandchildren – in fact anything you plan to do with your money.

Once established, we review your cashflow model annually. By holding all your financial information in one place it becomes easy for you to assess the impact of any changes you may be thinking of making and any trade-offs that may be necessary.

Our objective is to give you the confidence and comfort you need to live life to the full, knowing your true financial position and the minimum return you require on your assets.