Adrian Ridley

What is cashflow modelling?

It’s the unknown that makes planning for the future difficult. Your life is full of lots of choices that can impact your financial situation. So how can you look all the way ahead to your later life with any kind of certainty?

This is where cashflow modelling comes in. Essentially, it’s a tool used by advisers like me to get an idea of how your financial future could look. I put in lots of data about you and your financial circumstances, and that lets me predict what could happen, and compare different scenarios against each other.

It means we can do things like: see whether you can afford to gift your grandchildren money towards their education, gauge whether your finances will last you into retirement, or understand whether you need to make some changes to achieve your goals.

Let me know if you think cashflow modelling could help you.

With over 30 years of experience in the financial services industry, I have spent a lot of time getting to know my clients and helping them over the years, which is the most rewarding part of being a Financial Adviser. I specialise in Wealth and Pension Planning. My approach is very simple - know your client and advise as if it were your family or friends. I have on occasion, mentored over the years and as a mature adviser I find it far easier to focus on the correct pathway for the client and not be persuaded by any other influences. I aim to provide clear, practical and good value advice and be there for my clients along the journey.

I am married with 3 teenagers and a dog who keep me busy. I am also the Vice Chairman of the local football club and enjoy being a part of the grassroots community and helping run the club with my fellow committee members.