Tim Knowles

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.

With over 20 years of experience in the financial services sector, I haves built a reputation for delivering trusted, client-focused financial advice. My approach is holistic, ensuring that every aspect of financial planning, from investments and retirement strategies to protection and estate planning, is carefully tailored to each clients’ unique goals and circumstances.

At the heart of my practice is a commitment to building lasting relationships. I believe that true financial planning is not just about numbers, but about supporting clients in achieving the life they want to live. By listening closely, understanding long-term aspirations, and simplifying complex financial matters, I empower clients to make confident, informed decisions.

Beyond my professional expertise, I value balance and wellbeing. I am passionate about maintaining a healthy lifestyle and staying active, often enjoying outdoor activities and new experiences with my family. This personal philosophy mirrors my professional one: planning for the future while making the most of today. Whether you are planning for retirement, protecting your family, or seeking to grow your wealth, I provide clear guidance, thoughtful strategies, and unwavering support every step of the way.