Janet Ngbede

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.

Prior to qualifying as a Financial Adviser and becoming Financial Conduct Authority (FCA) registered, I advanced in a successful career as a Chartered Accountant in finance leadership roles, working across complex organisations and international operations. My background includes senior accounting roles where I led teams, managed multi-entity finances, financial reporting, finance operations & strategy; and implemented key projects and accounting systems. This experience brings an extra layer of insight and rigour to the advice I provide.

I also hold an MBA from the University of Bath and an MSc Investment Management from Henley Business School - University of Reading. These set me apart as a robust finance professional with breadth of knowledge and expertise to support both individuals and corporations.

This blend of professional and academic excellence with real-world experience enables clients to benefit from strong technical knowledge as well as the friendly, personal touch I bring to financial advice. My focus is to provide easy-to-understand guidance and efficient solutions to the financial issues that matter most to them.

Whether supporting individuals, families, businesses or organisations, my goal is to build trusted relationships and empower every client with clear tailored strategies towards achieving their desired financial future.

I am married with three lovely children. Outside of work, I enjoy spending time with family and friends, cooking up a feast, gardening, taking nature walks with my husband, travelling and volunteering.

I look forward to hearing from you and supporting you through your financial journey.