Ryan Perkins

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 always dealt with the end client in my various roles and am acutely aware of what clients need and the value a financial planner can add over the long term. I enjoy getting to know clients and listening to their stories to gain an understanding of their needs and objectives. Often, clients reach out thinking there is a need for advice in a particular area, only to find that the situation is not quite as they thought. For example, a client contacted me for advice on how best to finance home improvements, not realising they had a large potential inheritance tax liability to mitigate and could benefit from pension advice. Another client hadn’t fully appreciated the risks of holding large amounts of cash with a single institution, and I reorganised their finances in a way that protects them and their family and ensures their wealth is passed on to their beneficiaries in the best possible way. As they say, ‘a problem shared is a problem halved’. 

I am a member of the London Institute in Banking Finance and am a Certified Professional in Financial Advice holding a Diploma in Financial Advice. More information about the certification can be found here.

Outside of work, I enjoy time with my family and friends and spending time outdoors. I am a passionate motorcyclist and am hoping to improve on my golf handicap too.

Please get in touch for a no-obligation review of your financial plans where the initial meeting is provided at my expense.