Lifetime Cash Flow Planning

What is lifetime cash flow planning?

It’s a very detailed process we take clients through.  A process that produces a detailed report that looks at income and expenditure expectations for you and your spouse/partner from now until a set age (normally age 100).  It takes into account all the assets you hold now and will in the future, any potential inheritance and all the plans you have in life: holidays, travel, property purchases and sales, gifts to children, the list is endless.

Our planning team take down all your life goals and associated costs and develop a detailed cash flow plan showing you what effects your plan will have on your ability to life the life you want. The first draft of the report will inevitably prompt you to ask, what if?  What if we buy the house a year earlier, what if we gift £150K to the children now and buy their home in trust? What is we have three holidays per annum instead of two?  What is the effect of all this on our later years?

The report then runs a “Montecarlo” simulation.  This is a 1000 question diagnostic check of the worst case happening in your plan: interest rates rising, investment returns not achieving the plan, inflation going into double digits, you or your spouse/partner dying early, being diagnosed with a critical illness, requiring care in your old age.  The level of detail simply prompts discussion around your thoughts on all of these points.

So if you would like to be able to see with detail, your own financial future, to have those bucket list items ticked off before old age, then book a FREE consultation with one of our financial planners today.

Why Choose us

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Investment portfolio review

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Cash flow modelling

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Fully Independent

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FCA regulated

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Financial planning

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Estate planning qualified

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Pension transfer specialists

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Occupational pension specialists

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All types of mortgages

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Care fee planning

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Low cost fees

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Corporate planning

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Wealth management

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Retirement planning

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Inheritance tax mitigation