Nigel Beynon

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 have long had an interest in investment markets, and joined the private client team of a London stockbroking firm straight from university in 1986. Until 2012 I worked for firms that we now think of as Discretionary Fund Managers (DFMs) that are the modern incarnation of private client advisers.

From 2013 to 2017 I consulted to FCA-regulated firms helping on bespoke projects. From late 2017 I retrained as a Financial Planner so as to widen my prior DFM experience. I now mainly advise on pension planning, investment management and protection (insurance) needs.