Bhavesh Patel

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.

Bhavesh – Guiding You Toward Financial Freedom.

With nearly two decades of investment banking experience, I’ve honed a deep understanding of finance. But beyond numbers and spreadsheets, I’ve always been driven by the desire to push boundaries, both personally and professionally. Having achieved financial independence by 39, I’m now passionate about helping others shape their financial futures with the same determination and focus.

I’ve faced challenges beyond the financial world—whether it’s climbing Mt. Blanc, cycling from London to Paris, or sailing across the Atlantic from Rio de Janeiro to Cape Town.

These adventures have taught me resilience, planning, and adaptability—qualities that I bring into every client relationship. Whether you’re just getting started with a young family or preparing for retirement, I offer holistic financial planning that covers wealth management, business and personal protection, retirement planning, and wealth preservation. I believe in empowering you to live fully today while securing a prosperous future.

My approach is simple: I only recommend solutions that I’d suggest for my own family. I’m committed to building long-term relationships, offering advice grounded in trust, transparency, and care. The financial strategies I provide are designed to support your individual goals, so you can live the life you envision.

I hold a first-class degree in Mathematics, am a Fellow of the Chartered Institute of Management Accountants, and hold a Diploma in Regulated Financial Planning from the Chartered Insurance Institute. Numbers have always been my strength, and applying the same principles I’ve learned throughout my career, I help clients achieve financial security, independence, and peace of mind.

In an era where financial literacy is low, and social media is filled with misleading advice, I’m passionate about educating and guiding my clients through complex financial decisions. I want to help you make informed choices that align with your values and life’s purpose. While I am compensated for my services, my true motivation comes from my love for this work. Financial planning, for me, is about making a meaningful impact, and my accessible pricing reflects that commitment.