Rachael Lynch

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 am a financial planner with a specialist interest in making financial services more accessible to investors of all ages.

I want more people to feel empowered by their finances, rather than confused by them. I believe strongly that a well-structured financial plan can support wider lifetime goals and ambitions, and I spend time getting to know clients before making any recommendations, in order to understand their aims and objectives.

With a strong focus on financial advice for women, I understand the financial gaps and life events that disproportionately affect women - from career breaks and caring responsibilities to juggling multiple roles and longer life expectancy. My advice is tailored to real life, not just spreadsheets.

I am also known for debunking financial myths and making complex topics easier to understand. Clients say they appreciate my ability to explain pensions, ISAs, investment portfolios, and protection planning in clear, simple language.

Away from my desk, I love spending time with my (rapidly growing) children and husband, writing fiction, and making endless attempts to return to running.