Thomas Lock

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 believe we face one key issue in our financial lives: uncertainty. Incomes fluctuate; our goals and aspirations are forever being shaped and altered; and our confidence can easily be shaken when, for instance, a tax rule changes or a sudden expense emerges. My proposition is rooted in this philosophy: the only real certainty is that the future is uncertain, but by thinking forward and planning for contingencies we can begin to take hold of the unknown. And that’s where I come in!

I’ll help you look at your situation in clear terms, establish your goals and ambitions and build a plan that works for you in the long term - an antidote for the unknown, alleviating the stress commonly associated with finance.

Outside of financial planning my life revolves around my family, and when I’m not spending time with my wife and son I’m either in the gym, playing football or playing a synthesiser on a stage somewhere.