Cash flow modelling

Cash flow modelling (also known as cash flow planning) is a strategic tool that predicts your financial future based on different scenarios. This dynamic approach illuminates the potential state of your finances down the road, giving you valuable insight that can help you to realise your aspirations for retirement.

So, if you’re unsure whether your finances are adequate for your needs or you’re thinking about when you may be able to retire, cash flow modelling with an independent Wealth Planner can help you make more informed decisions and achieve greater financial security.

What cash flow modelling can do for you

By stress testing your plans against various 'what if?' scenarios, cash flow modelling is a constructive step towards creating a more secure financial future for you and your family. It can help you to:

• Gain valuable insights into your personal financial position and the trajectory you’re currently on
• Anticipate necessary changes by indicating how your situation and your financial needs may change over time
• Devise smarter investment strategies to help you maintain your financial independence through retirement
• Mitigate risk by putting plans in place to cover the financial consequences of disability or death
• Minimise your tax liabilities now and the inheritance tax payable on your estate
• Answer important retirement planning questions for you such as ‘Will I have enough to achieve all I’d like to in retirement?’, ‘Are my pensions and investments working as hard as they could for me?’ and ‘Will I have enough money to cover my long-term care costs if I need it?’

How cash flow modelling works

To see into your financial future, you need a tailored cash flow plan – and this is something our Scotland-based Wealth Planners can build for you.

We start by reviewing your current finances, assets, income, and expenditures alongside your retirement goals. Then we look at this through the lens of likely investment growth and other factors, such as interest rates and inflation in the time between now and your retirement.

This creates a picture of where you are today and where you’re likely to be if you continue in the same vein. From this point, we can help you devise a retirement plan to ensure that your goals are achievable.

Get in touch to arrange a no-obligation consultation with one of our wealth planning experts to find out how cash modelling can help you.

Cash flow modelling brings clarity to uncertainty

Am I saving enough for my retirement?

When will I be financially ready to retire?

Will my pension sustain me throughout retirement?

Finding the answers to these questions isn't straightforward.

They hinge not only on your unique situation — your current way of life, your financial standing, and your aspirations — but also on external factors beyond your control, like market volatility, inflation, interest rates and how your investments perform over time.

Cash flow modelling can help to alleviate these worries by stress testing your finances against various scenarios and signalling any action needed now, while you still have time to take it.