Daniel Hughes

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.

Growing up on a farm in West Wales taught me the importance of hard work and community - values that continue to shape both my professional and personal life. With several years of experience as a futures trader in the financial markets, I discovered my true passion lies in helping people directly with their finances. Now, as a fully qualified Financial Adviser holding a Diploma in Regulated Financial Advice and proud member of the Chartered Insurance Institute (CII), I combine industry insight with practical knowledge to serve my clients.

I'm a passionate believer that everyone deserves peace of mind about their financial future. By taking time to fully understand your situation and goals, we can get to the heart of what really matters to you. Whether you're looking to simplify pension and retirement planning, ensure your money works harder through smart investments, maximize tax breaks and allowances, or build long-term financial security, I provide clear and supportive guidance every step of the way.

Outside of work, I stay active through rugby, golf, CrossFit, and walks along the Pembrokeshire coastal path with my girlfriend Holly and our dog, Pippa. Whether I'm supporting hardworking people like you, or enjoying a pint down the local pub, building genuine connections is at the heart of what I do.

Together, we can simplify your finances and put robust plans in place to secure your future, letting you focus on what you do best.