Zak Giannini

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.

You work hard for your money. Your money should work just as hard for you. I help people take control of their finances and make confident, well-informed decisions that align with the life they’re building. My work covers the full picture from retirement planning and investing, to protecting your income and legacy. But no matter the topic, it always starts the same way: understanding your priorities, your goals, and what really matters to you.

Before moving into financial planning, I played rugby at a high level coming through the academy at Scarlets, representing Wales U20, and spending time with Bath Rugby while studying at the University of Bath. That journey instilled in me the discipline, drive, and work ethic I now bring to my professional life. Off the field, I’ve also been closely involved in helping run our family businesses in Wales, which gave me first hand experience of the pressures and priorities that come with managing money and making decisions that really have a positive impact on family.

Outside of work, I love all things sport whether it's watching or playing any sport will do it for me . I also love meeting new people from all walks of life and catching up with friends whenever I can. Whether it's a dinner, a casual coffee, or a business event I value good company and great conversation.