Richard Zeng, PhD

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.

What Led me to Financial Planning

My interest in personal finance started young. When I was 12, I made my first investment, a mutual fund I picked simply because the name sounded appealing. It was a naïve choice, but it sparked a lifelong curiosity about how money works and eventually led me into my career.

Fourteen years later, I earned a PhD in Accounting from London Business School and became a lecturer at the University of Bristol. Over nine years in academia, I taught and researched a wide range of accounting and finance topics. The work involved thinking critically, analysing complex data, and communicating clearly with audiences ranging from complete beginners to experts.

While I enjoyed the intellectual challenge, I eventually realised I wanted to apply that expertise in a more personal and practical way. I found myself most energised by the conversations that helped people make sense of complex choices. Some of the most rewarding moments at work came when a student or colleague asked for my opinion, and together we worked through their thinking until they had clarity on their next step.

Even outside of work, friends and family often turn to me for perspective when they face difficult decisions. I may not always have the perfect answer, but I always do my best to help.

That’s what led me to financial planning. It allows me to combine technical expertise with something that has always come naturally: offering clear, thoughtful guidance when it matters most.

Outside the Office

I stay active with gym workouts, tennis, and golf. I also love music, wine, whisky, and good conversations. I continue to teach part-time at university and enjoy bridging academic thinking with real-life financial planning.

Download Richard's Chinese biography.