Cashflow analysis

Cashflow analysis helps you to understand your financial planning needs by enabling us to create a visual plan which is then presented in a series of powerful and interactive charts. Together, we can then identify areas where action may be advisable or flag up potential needs in the future.

We believe that 'a picture is worth a thousands words' and that using cashflow will help us to keep you informed and fully engaged with those important financial planning decisions as they arise.

What is Cashflow?

Quite simply, it is “monies in / monies out” – what money do we have coming in now and what are we spending now – and, most importantly, what do we EXPECT to have coming in compared to what we EXPECT to spend in the future?

The cashflow chart analyses current and projected future needs, goals and aspirations and assesses the likelihood of being able to achieve them, year on year, throughout your lifetime.

Why is it so important?

Essentially, we believe that a visual projection of your financial future will help to inform and engage you in answering the three vital questions that matter most to the financial wellbeing of you and your family:

"Will we be alright?"
- Can we afford our desired lifestyle now and through our lifetimes? What can we do now and what might we need to do in the future to secure this?

Build in goals such as "Can we afford to?"
- Enjoy that special holiday
- Pay for our daughter’s wedding
- Retire a little earlier
- Move house when we retire
- Give some of our wealth away now or in the future

"What happens if?"
- One of us dies unexpectedly
- One of us is ill and unable to work
- We need long term residential or nursing care sometime in the future
- Our investments perform better or worse than we expect
- We get an unexpected windfall

Cashflow analysis brings to life all of these issues and enables us to model different planning scenarios to address them.