This information is restricted to readers in England and Wales due to the difference in legislation in Scotland and Northern Ireland.

Why Cashflow Modelling Matters

It answers the big questions:

• Will I have enough to retire comfortably — and stay retired?
• Can I afford to gift money to family now without running out later?
• What happens if my business doesn’t sell for what I expect?
• How much inheritance tax might my estate face — and can it be reduced?

With clear visuals and scenario planning, you’ll see what’s sustainable, what’s risky, and what’s achievable — before you make any moves.

What It Takes Into Account

A detailed cashflow model incorporates all key elements of your financial world:

• Income

Salary, dividends, pensions, rental income, state benefits — including when and how these start, stop, or change over time.

• Expenses

Your current and future lifestyle costs, from day-to-day living and holidays to care costs later in life. It also adjusts for inflation.

• Assets & Liabilities

Savings, ISAs, pensions, property, investments — alongside any mortgages, loans, or debts. It tracks how these grow or reduce annually.

• Key Life Events

Planned milestones like business exits, house sales, downsizing, inheritances, large purchases, or financial gifts to family.

The Real Value of Cashflow Modelling

• ✅ Clarity – Know what’s possible with your money
• ✅ Control – See the consequences of decisions before acting
• ✅ Confidence – Plan with peace of mind instead of guesswork
• ✅ Customisation – Model best- and worst-case scenarios
• ✅ Collaboration – Align personal goals with professional strategy

For business owners, cashflow modelling helps align business protection, estate planning, and retirement in a single, joined-up plan.

Visualise the Future You Want — and Make It Happen

Don’t leave your retirement or legacy to chance. With cashflow modelling, your financial future is no longer a mystery — it’s a plan.