Cashflow Modelling
in Leamington Spa & Warwickshire
Using a financial adviser’s experience and cutting-edge software, cashflow modelling considers many factors surrounding your financial position – both now and in the future.
Details about your income and expenditure, savings and investments, debts, current and future commitments, and any anticipated inheritance or lump-sum receipts are fed into the process, as are your goals – things such as your retirement plans.
Cashflow modelling will show how well-equipped you are to realise these aims and what’s needed to put you or keep you, on the right track.
You can tweak the scenarios to see their impact on your finances – moving your retirement dates forward or back a couple of years, for example, or altering the expected returns on any investments you might hold.
When is cashflow modelling used?
Cashflow modelling can be used whenever you want to plan for a long-term major financial decision – any big questions about money.
Questions it can help to answer include:
When can I retire?
How much money do I need for the retirement lifestyle I want?
Can I gift my children money and still have enough to live on?
How much should I sell my business for?
Can I afford to pass my business down a generation without it affecting my lifestyle?
It can also address questions around health and later life, such as:
Will my family be financially secure when I die?
How will it affect my family’s finances if I have to go into permanent care?
What are the benefits of cashflow modelling?
Visualisation
Cashflow modelling can show you what is possible, what isn’t possible and what you can do instead to get you to where you want to be. A cashflow provides a graphic representation of your personalised roadmap, highlighting your goals and objectives along the way. You can see the impact each of them has and if they are affordable to you. It can confirm if you’re on the right path, or if a slightly different route is needed to get you there.
Cashflow modelling can be likened to a jigsaw puzzle. When clients come to us, they have questions they want answering, and without cashflow planning, it’s like trying to put a 3D jigsaw puzzle together in their head. Cashflow planning not only enables us to put this jigsaw together; it also lets us see and feel the plan and make changes to test out different scenarios to see what’s possible.
Resilience
We always want things to go as planned. But what happens if they don’t? A robust financial plan has explored lots of eventualities and has been stress-tested. Stress-testing shows various ‘what if’ scenarios. Say you want to know what happens if the markets drop, you were to fall ill, or your income was to reduce, cashflow modelling maps these scenarios to see how resilient and healthy your situation is.
How powerful would it be to know that some of the worst-case scenarios, although not ideal, would be manageable from a financial perspective? That means one less thing for you to concern yourself with at a difficult time.
Freedom
Knowing that you have options can be life-changing. No one wants to feel stuck. However, cashflow can show you that there are options out there for you, which can be just what you need to hear.
For example, one of our planners worked with someone who was feeling very stressed in their work. What the cashflow modelling did was showed that they could stop work immediately. And this knowledge rejuvenated them in their work. They realised it was now a choice, not a chore.
Confidence
Cashflow modelling allows you to try before you buy, so you can feel confident that you’re making the right financial choices. It takes your desired lifestyle for a spin in a safe environment before leaping and making a change.
Peace of mind
How we spend our money can have a significant impact on our future lifestyle and potential opportunities. But, as always, knowledge is power. It starts with knowing what you have, and then cashflow modelling shows you what this can do for you. The outcome: you gain the peace of mind to feel secure in your financial future, which is priceless!
Looking for independent financial advice in Leamington Spa & Warwickshire?
Jack Bewick is part of an experienced team of financial advisers providing holistic and tailored financial planning solutions for businesses, individuals and families throughout the UK, and specifically across the Warwickshire and Midlands areas including Warwick, Leamington Spa, Kenilworth, Stratford-upon-Avon, Coventry & Warwickshire, Lutterworth & Leicestershire areas.
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Cashflow Modelling​​​​
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