Nevil Hope

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.

• Family and business protection - I support clients in understanding the key personal and business risks they could face, and offer solutions for those they do not want to rely on covering themselves.
• Retirement/business exit planning - I help clients review their plans, aims, goals, and timelines to determine how to achieve financial independence, and then maintain their savings in retirement through regular review and personal portfolio planning.
• Estate planning - I work with clients to assess any wills and trusts in place, life policies, health plans, and long-term care insurances, before reviewing and measuring them against the clients' survivor and distribution objectives.
• Auto enrolment - I help clients understand their obligations to deliver an effective, compliant, manageable, and understandable benefit to their employees while allowing them to focus on running their business.

The Financial Conduct Authority does not regulate auto-enrolment and exit planning.