A cash flow plan is a projection, a model, a forecast of what is likely to happen in the future based on your current assets, income, liabilities and spending. Using our best assumptions for investment returns, future inflation and changes to personal allowances we can create a financial plan which will illustrate the most likely outcome, we can then assess whether or not you will be able to achieve your goals, whatever they may be, as well as identify any possible issues that could arise along the way.
Unlike the calculators available online, which allow for only the most basic adjustments, the financial plans we produce are individual, personalised and detailed, and also take into account the impact of tax. They can reflect the changes you might make in your financial life on a year to year basis. This way you can, for example, judge when you can afford to retire, or switch to part-time status, gift assets or make a luxury purchase.