Sam Smith

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’m passionate about building strong long-lasting relationships with my clients and I have a heavy focus on educating them to ensure that they are empowered to make smarter financial decisions. I also understand that it is natural human behaviour to delay making financial decisions which can ultimately be costly. I therefore, play an accountability/coaching role with my clients similarly to that of a personal trainer which again, increases the chances of my clients having a better financial outcome long term.

Fun fact: I previously played professional rugby for Worcester Warriors, albeit it was a rather short and sweet career.

Other passions include spending time with my family, cooking and walking my cocker spaniel, Buddy. Also finding time to play sports to a very amateur level, such as golf, skiing and rugby.