Josh Hakki

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.

At just 26 years old, I am proud to be part of a small group of young financial advisers in the UK, bringing a fresh perspective and long-term vision to the profession. I hold a Master’s degree in Finance from Nottingham Trent University and have built my career around a strong foundation of technical knowledge, forward-thinking strategy, and a commitment to truly understanding my clients' goals.

I provide holistic financial planning, offering guidance that spans the full financial journey - from starting out and building wealth, to protecting it and planning for retirement. Whether you're navigating your first investment, preparing for a major life change, or looking to secure your long-term future, I tailor my advice to suit your unique circumstances and ambitions. My mission is to simplify complex financial matters and empower my clients with confidence in every decision they make. I believe in building relationships that last, growing and adapting your financial plan as life evolves.