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Financial Freedom
Helping you and your family make life-changing decisions.
In this guide:
- What is cash flow modelling? – What you need to know about this insightful analysis.
- How could cash flow modelling help you? – Find out how financial analysis can help you answer questions such as 'Can I afford to retire today?'.
- How can you find out more? – Discover whether the plan for the rest of your life is achievable or not.
Please note that the Financial Conduct Authority (FCA) do not regulate cash flow planning.
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From this guide:
In our experience, there are typically two outcomes when we conduct a cash flow planning exercise on behalf of clients:
1. There is a surplus of wealth meaning you can meet your lifetime financial goals.
This gives you options such as:
- Early retirement
- Having a better life by spending more of your money during your lifetime
- Making gifts to your family
- Making charitable gifts and donations
- Reducing your inheritance tax liability
- Taking less risk with invested wealth.
2. There is a shortfall of assets meaning you are not on track to meet your lifetime financial goals.
The analysis highlights potential shortfalls or threats to your situation and allows us to discuss the options open to you, such as:
- Working longer
- Spending less in retirement
- How much more you need to save prior to retirement
- Taking more risk with invested wealth
- Releasing capital from other assets, such as downsizing your property.
Download the full guide to read more.
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Our clients speak for us
Meet our expert team
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Merve Oral
Financial Adviser - Chartered Financial Planner, FPFS
Merve is a Chartered Financial Planner and a Fellow of the Personal Finance Society. She creates bespoke financial plans in partnership with her clients to help them secure their financial future and enjoy their desired lifestyle with peace of mind.
Sarah Beall
Financial Adviser - Chartered Financial Planner, FPFS
A Fellow of the Personal Finance Society, Sarah has worked in financial services since 2011 and works in partnership with her clients to ensure they understand what they are capable of achieving and how they can get there. In particular, she provides clarity around complex strategies to put her clients at ease.
Daniel Schofield
Partner - DipPFS
Daniel provides advice focused on the disciplines of personal and corporate financial planning, investment portfolio management, Inheritance Tax (IHT) planning and mitigation, and legacy and succession planning.