Cash Flow Planning

‘Bringing your financial planning to life’

Cash flow planning shows you where you are today and helps you get to where you want to tomorrow. Preparing a cash flow model for you, is a fundamental step in our lifestyle financial planning process.

It will help us, ensure that, we can help you achieve your financial objectives.

How it works

Firstly, we put into the system, your detailed personal information including income, expenditure, assets and liabilities. This creates a clear picture for you of your current financial situation.

We carefully consider other issues that will affect the outputs, such as inflation and investment growth rates.

Adding in Financial goals & life events, such as, your retirement date and important life milestones, shows us what your financial position maybe in future years.

The cash flow plan will allow us to visually show you the position you are currently in and any shortfalls you have.  From, this, we can then agree on how these can be addressed. This may involve saving more or spending less. It also helps us ascertain the level of investment risk you should be taking to help you achieve your goals.

‘What if’

The software that we use, allows us to consider ‘what if’ scenario’s. These may be situations such as, taking early retirement or if you were to fall ill or go into a care home in later life. These scenario’s can help demonstrate how they would financially impact you in the future.

Our key aim is to ensure that you never run out of money, whilst enjoying your lifestyle. Once we have the initial plan in place, it is crucial that it is reviewed regularly. This will allow us to keep you on track and make any amendments, as your objectives or situation changes.

In summary, Cash flow planning provides you with financial peace of mind and to ensure that you achieve your goals in life.

Cash-flow planning is suitable for all clients, whether you are planning ahead for the future or in retirement and want to ensure that you do not run out of money.

Cash-flow planning is only available to clients within our Private Client Service.

“I have known Neil for over 20 years, providing me with helpful, carefully considered, detailed financial advice. He has been patient explaining investments to me and has guided me through the financial challenges of a relationship breakdown, new home ownership and preparation for retirement. I love the cash flow analysis that is provided, it brings to life my plan and visually shows me what I will be able to afford based on my plans. At all times, Neil is professional, incredibly knowledgeable, listens and takes great care of his clients and more importantly their money. I cannot recommend him highly enough.”
Karen, Banstead, Surrey

"Focused on Preserving & Growing your Savings"