William Theobald

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 hold a 2.1 degree in Economics, am a member of the Chartered Institute of Taxation, and have a Diploma in Regulated Financial Planning from the Chartered Insurance Institute. Numbers have always been my strength, but it’s the people behind them who matter most. Applying the principles I’ve developed throughout my career, I help clients achieve financial security, independence, and peace of mind - with advice that’s clear, personal, and built to last.

My approach is simple: I only recommend solutions I’d feel confident offering to my own family. I’m committed to building long-term relationships, grounded in trust, transparency, and genuine care. The financial strategies I provide are tailored to your individual goals, helping you live the life you envision with clarity today and confidence for the future.

In a world where financial literacy is low and social media is full of noise, I’m passionate about guiding people through complex decisions with clarity and care. My aim is to help you make informed choices that reflect your values and life’s purpose. While I’m paid for my services, my motivation comes from a genuine love for this work. Financial planning, for me, is about making a meaningful impact - helping people live fully today while building a secure tomorrow.

I live in South London with my wife, and we’re lucky to have two wonderful children, plus nieces and nephews who keep family life lively. When I’m not running around after my two children, I enjoy travelling, spending time with family and friends, and the occasional trip to the gym. Life’s busy, but full and I know how important that balance is for my clients too.