We firmly believe that financial planning advice cannot be facilitated without the use of robust and accurate cashflow modelling.

Cashflow modelling assesses the impact on an investor’s capital (savings, investments, pensions), as income and expenditure are assumed to change throughout a career and then into retirement.  It also enables us to understand and accurately quantify risk and to provide solutions that mitigate this where this is a client objective.

Accurate cashflow modelling is dependent on robust factfinding, which we conduct passionately on behalf of our clients.  This involves acquiring a detailed understanding of client goals, both in relation to career, property, family and lifestyle, in addition to a forensic understanding of a client’s current circumstances.  We view factfinding as a partnership between ourselves and clients and will not formulate advice until we have a sufficient understanding of our client. 

Where this detail can be acquired, we will produce personalised cashflow modelling which will guide our initial advice and be regularly updated at future reviews to guide ongoing advice. 

Our objective is for client financial plans to deliver appropriate ongoing income and capital access requirements, via the earmarking of short-, medium- and longer-term capital.  Once these requirements have been appropriately quantified, we can then provide advice to deliver against these requirements whilst also delivering appropriate performance from an estate, alongside maximum tax efficiency.