Cashflow modelling is at the heart of the majority of the financial planning we take onboard for our clients. It allows us to forecast their current and future financial situation – helping to answer many of the questions they have and often assisting with financial decisions and choices that need to be made, such as:

• Do I have enough protection in place for my family should something happen to me? 
• What age can I afford to retire?
• Am I able to work part time rather than full time?
• Is my pension going to be enough to fund my retirement or do I need to be saving more than I am now?
• Can I afford a large capital expenditure such as buying a car, moving house or making a gift to family? 
• What would be the impact to my future if my investments don’t perform as well as expected? 

Our cashflow modelling software not only forecasts our client’s current and projected financial situation, it takes into account their income, expenditure, assets and liabilities, along with the tax position of all incomes and assets, this assists with providing a long term financial outlook. This can then be used to help them make well informed financial decisions that better their future. 

Whilst financial planning based on current and expected circumstances is important, often we forget to think about the impact of certain unforeseen events. Cashflow modelling also allows us to clearly demonstrate this with ‘What If’ scenario’s. This can involve variables such as what age to retire at; differing investment growth rates; and when to sell a business etc. 

By using cashflow modelling we enable our client’s to assess the impact of unexpected changes and therefore stay in control of their financial future. The models then get reviewed each year and become a working model that keeps up to date and continues to assist as we move through clients journeys.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and the value can therefore go down as well as up. You may get back less than the amount invested.