Cash Flow Forecasting

To build a robust and personalised financial strategy, we use Cash Flow Forecasting—also known as Cash Flow Modelling—as a cornerstone of our planning process.

This method, developed and refined over many years, enables us to estimate the level of investment returns required to meet your financial needs throughout retirement and beyond. It considers your desired regular income (adjusted for inflation), your State Pension, any private or workplace pensions (including inherited benefits where applicable), and anticipated lump-sum expenses—such as replacing a car or funding major life events.

There’s no right or wrong way to shape your financial future. Your retirement wish list is entirely personal, and we encourage you to include whatever matters most to you.

What Cash Flow Forecasting delivers is clarity. It helps us assess whether your financial resources will be available when you need them—giving you confidence that your retirement goals are both achievable and sustainable.

Your future deserves clarity. Book a consultation with our team to see how Cash Flow Forecasting can guide your financial decisions and give you peace of mind.