Marcin Kmieciak

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 wanted to become a financial adviser as I have a real, real passion for helping my clients from the start of their financial journeys and continue to be there throughout their lives. I have a real passion for providing a personal service to my clients and hope that my friendly and professional approach helps customers feel confident and at ease when it comes to making important financial decisions.

Extended bio: I’m a financial adviser with a passion for helping people make sense of their money and plan for the future. I provide holistic financial advice across Bedfordshire and the surrounding areas, taking the time to listen carefully so that every aspect of your financial needs is understood and looked after. The main reason I became a financial planner was to help people make better decisions about their money. I enjoy working with clients to build and preserve wealth through tax-efficient investing, protection, and retirement planning. My aim is always to bring clarity and confidence to your financial future. Before moving into financial advice, I spent 20 years in IT support, where I honed my skills in listening carefully and solving complex problems. Those same qualities now shape the way I work with clients - taking the time to understand their goals and finding practical solutions that fit their needs.

Outside of work, I’m married with twins who keep my life busy and fun. At home, I share my space with our dog Shaun the Shih-Tzu, and Oreo the cat.