Our lifetime cash flow models use sophisticated software to provide you with a detailed view of your current financial outlook (including your assets, investments, debts, income and expenditure) which enables you the opportunity to better visualise and plan for your families’ financial future.

A cash flow model provides us with a foundation to build you a solid financial plan, based on the information we collect from you during our ‘Fact Find’ meeting, where we establish what is important to you? The cash flow model is used to consider how different life choices (e.g. bringing your retirement forward) will impact your lifetime cash flow.

Lifetime cash flow forecasting is important as a means of estimating whether your current arrangements will be sufficient to meet your long term objectives. The forecast is incredibly useful as it can highlight a number of factors including:

  • Whether your existing assets and pension entitlement are likely to be sufficient to meet your anticipated expenditure in retirement.
  • The impact of adding to investments or pensions on the ability to meet your objectives.
  • Whether you are taking too much or too little risk to meet your objectives.
  • The impact of any unforeseen events on your ability to meet your objectives. Examples might include the impact of capital losses due to poor investment returns, a critical illness inhibiting your ability to work or the need for long term nursing care.

If you would like to discuss your wealth management options, please contact our wealth management team today.

The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should not be considered reliable indicators of future returns. Prevailing tax rates and relief are dependent on individual circumstances and are subject to change.

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