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Retirement planning

Use the latest technology to plan for your retirement.

In order to develop your financial plan, you need clarity over your goals, your objectives and your motivations. Cash flow modelling illustrates what might happen to your finances in the future, and enables you to plan to ensure that you make the most of your money to achieve your financial objectives.




Lifetime cash flow modelling

Lifetime Cash Flow Modelling is Goal-based, interactive planning. Simple but powerful, transforming the way you visualise your future. Test different retirement scenarios and instantly understand the impact of key decisions on life events along the way

The process of cash flow modelling shows your current position relative to your preferred position and your goals by assessing your current and forecasted wealth, along with income inflows and expenditure outflows to create a picture of your finances, now and in the future. This detailed picture of your assets includes investments, debts, income and expenditure, which are projected forward, year by year, using calculated rates of growth, income, inflation, wage rises and interest rates.

A lifetime cash flow plan should enable you to:
• Produce a clear and detailed summary of your financial arrangements
• Define your family’s version of the ‘good life’ and begin working towards it
• Work towards achieving and maintaining financial independence
• Ensure adequate provision is made for the financial consequences the death or disablement of you or your partner
• Plan to minimise your tax liabilities
• Produce an analysis of your personal expenditure planning assumptions, balancing your cash inflows and your desired cash outflows
• Estimate future cash flow on realistic assumptions
• Develop an investment strategy for your capital and surplus income in accordance with risk/reward, flexibility and accessibility with which you are comfortable
• Become aware of the tax issues that are likely to arise on your own death and that of your partner

Are your future financial plans on track?

Cash flow modelling helps you stay in control of your financial future by giving a more holistic planning approach and clearer picture of the consequences of change on an ongoing basis. Certain assumptions are used in your plan. Projected inflation and growth rates need to be made clear, and it should be explained that the plan and cash flow model is only as good as the information provided, so it is critical that it is reviewed.

Tax Planning is not regulated by the Financial Conduct Authority.


What's really important isn't your money, it's your life.