Matthew Byrne

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 take pride in helping my clients understand their options and putting them in an informed position to make the best decisions. I provide a holistic planning service, reviewing your needs and goals for your pensions and retirement planning, investment and wealth management, as well as protection and estate planning. I will take the time to fully understand your circumstances and needs, and get a real feeling of what is important to you in order to provide the best, personalised advice for you.

Before becoming a financial planner I worked in technology for over 10 years within the Financial Services Industry. I’m originally from Skipton in North Yorkshire. My career brought me to Edinburgh in 2018 and I’ve been settled here ever since. I travel back home regularly and work with clients in North Yorkshire as well as Edinburgh and the surrounding areas. The thing that brings me most joy in my work is helping people, and that’s why I love my role as a Financial Planning Consultant. My work gives me the opportunity to make a real difference in people’s lives and help my clients achieve goals they didn’t think were possible.

Outside of work I enjoy staying active through playing football, running, and going to the gym. I have a love for sports in general and will watch anyone chase a ball of any shape around a field! I have a passion for cars and enjoy road trips with my partner exploring the remote parts of Scotland. I‘m also partial to a bit of fine dining, and love planning city breaks in Europe.