Paul Herbert

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 use my extensive knowledge of tax planning, investments and insurance solutions to build bespoke solutions that are right for my clients. I ensure my clients fully understand my advice and I continue to work with them to ensure they can achieve their goals, helping them to adjust their portfolios as their situation evolves.

Prior to becoming a financial planner, I provided investment advice to large pension schemes, where I built a detailed knowledge of both investing and retirement planning, developing close, long-term relationships with my clients. I enjoy helping people. This has led me to be a foster parent and to take on other voluntary pursuits, including becoming the Chair of a local competitive swim squad.