Andy Thomas

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.

I am a financial adviser with over 20 years of experience, dedicated to helping individuals, families, and businesses across Cornwall achieve financial clarity and peace of mind. My passion lies in simplifying complex financial matters, enabling my clients to confidently prioritise their goals and build a secure future.

Beyond my professional life, I enjoy an active and fulfilling personal lifestyle. Running has been a big part of my journey, including completing two marathons, which taught me the importance of persistence and setting ambitious goals - values I bring to my financial advising. Living in Cornwall near the beach provides endless inspiration, especially through my love for the ocean and the tranquillity it offers.

My family - my wife and two wonderful boys are my anchor, and spending quality time with them is what keeps me grounded and motivated. In addition to my career, I’m passionate about giving back to the community, especially through charity fundraising initiatives that make a positive impact on the lives of others. I also have a deep love for travelling, embracing new cultures, and exploring the world, which broadens my perspective and enriches both my personal and professional life. This blend of professional expertise and personal values drives me to offer compassionate and dependable advice, ensuring my clients feel supported every step of the way.