Cash Flow Planning

This allows us to provide you with the following:

• A clear and comprehensive summary of your financial arrangements.
• An income and expenditure analysis, showing your surpluses and deficits and how these can be used within your planning.
• An understanding of where any shortfalls might occur and the appropriate action to take to address them.
• Defined goals and objectives, and putting a value on them – how much is enough?
• An understanding of what you need to do financially to achieve and maintain financial independence.
• Identification of whether there is adequate provision for dependents in the event of death or disability.
• A consideration of the tax consequences of different strategies.
• The development of appropriate investment strategies for capital and surplus income taking account of your attitude to risk and the need for flexibility and accessibility.

By using cashflow forecasting within your planning, you will benefit from greater clarity around your financial situation, enabling you to make better informed decisions.

All planning and analysis tools require the use of assumptions, and Financial Planning tools are no different.

Assumptions like inflation and investment growth rates are uncertain and can change over time. It’s therefore important to review your financial plan on an ongoing basis.

Our ongoing financial planning service is designed specifically for this purpose and includes cashflow forecasting and planning, helping you to understand the action that you need to take to stay on track and achieve your objectives.