Cash-Flow Planning

Are you looking for clarity over your future financial situation? Would you like to know what you need to do to achieve your goals? If so, detailed cash-flow planning can give you all the answers for which you’re looking. It plays a critical part in managing your money in the here and now – as well as securing a healthy financial future for yourself and your loved ones.

At Saunderson House, our financial advisers are here to help put together an effective cash-flow plan that works for you. To do this, we take the time to get to know you and your needs. In addition, we ensure that you consider the various factors that can affect personal cash-flow planning. Together, you and your Saunderson House adviser will build a plan based on your unique goals.

What is a cash-flow plan? 

Cash-flow planning is an integral part of the financial planning services which we can offer you. It is something that gives you an accurate and up-to-date oversight of your current situation in the context of your overall goals. The ultimate aim is to see whether those goals are attainable – and what may need to be done (if anything) in order to achieve them.

The process is entirely tailored to you and your family’s requirements. There is no one-size-fits-all cash-flow plan template. Your adviser will provide advice and make recommendations purely on the basis of your individual situation.

First, your cash-flow plan will consider your current income and expenditure. Layered on top of this information will be an informed calculation of how your finances may change in the months and years ahead. It covers both your income and any assets held. Your adviser will then map this forecast against your financial goals to see how best you can reach them.

What can lifetime cash-flow planning help achieve?

The scope of a cash-flow plan can depend on your specific requirements.

Lifetime cash-flow planning can be effective at providing a more holistic look at your long-term financial ambitions and situation. You can, for example, get a clearer idea of what you need to secure the retirement that you want. Your cash-flow plan will factor in routes such as savings, investments, pension planning and more to help you to get to where you want to be.

How does cash-flow planning work?

Our aim is to put you totally in the picture when it comes to your financial future. Your specialist adviser will work closely with you to strike right at the heart of your aspirations.

It starts with a consultation in which your adviser will ask you to provide details about your current situation. It is helpful to make sure that your adviser has a transparent understanding of all your assets, income sources and areas of spending. This is to ensure that your cash-flow plan is accurate.

As part of this consultation, we also need to find out more about your short- and long-term aims. They can be as varied and as unique as you wish.

Using our in-house expertise, we can demonstrate how a range of variables may impact your portfolio. These can include inflation, investment market movements, tax, and interest rates. Such detailed analysis lets us provide an in-depth cash-flow forecast that is tailored to your specific financial circumstances.

In addition, your adviser will also look at hypothetical scenarios that could have a bearing on the success of a cash-flow plan. You’ll then see how even minor changes can make a big difference.

How you can use our cash-flow modelling

Cash-flow modelling is a core part of our financial planning service. By working closely with you to establish your expected future income and expenditure, we can forecast your future financial position. Your unique cash-flow plan can help to answer a wide range of questions that may be of interest to you. These can include:

  • When can I afford to retire?
  • What should I be doing with my surplus income?
  • When and from where should I draw on income?
  • Should I consider using equity in my main home or investment property?
  • How much and when can I gift to my children?
  • How much risk should I take in order to reach my desired level of wealth?
  • Will my wealth sustain my standard of living during retirement?
  • Would my family have enough in the event of the unexpected?

Our cash-flow planning service collates the different elements of your portfolio. From this, your adviser can provide you with an overall strategy that’s centred around you. As a result, it often leads to better decisions across your portfolio and it helps to determine the level of investment risk that’s appropriate for you.

Looking for help with your lifetime cash-flow planning? Your Saunderson House financial adviser is here to guide you through the whole process. We provide expert advice that gives you the all-important peace of mind that you need. Get in touch today and see how personal cash-flow planning can help you.

Who do we help with our cash-flow planning services?

Our clients are high-net-worth individuals who often have complex financial affairs. Due to the nature of their work, it is also common for our clients to lack the time to properly consider the ins and outs of their fiscal future. As such, our advisers have a sizeable depth of experience in providing detailed personal cash-flow planning services to support them.

We are experts in supporting clients who may be doctors, lawyers, accountants, barristers or entrepreneurs. In addition, we are also able to support charities and trusts with their financial needs. Don’t leave your future to chance – let our specialist advisers use their knowledge and expertise to put you on the path to the life that you want for you and your family.

Why is it important to have a cash-flow plan?

It can be tempting to believe that cash-flow planning isn’t a requirement for you. Perhaps you feel that your ability to budget is sufficient for your future needs. But this can be a mistake.

A budget is useful for making sure that you are living within your means – and not exceeding what you have to spend. This, however, is not such a consideration for many of our clients. And it is only through personal cash-flow planning that we can ensure that your wealth is working for you.

Lifetime cash-flow planning is important for:

  • Providing an accurate assessment of your current financial situation
  • Highlighting how your situation could change –and the reasons why
  • Empowering you to make fully informed decisions about your money
  • Identifying areas of action and/or change to maximise your wealth

Above all, a tailored cash-flow plan brings greater certainty, clarity and peace of mind when it comes to your goals and your ability to achieve them. And that’s where we can support you.

Why choose Saunderson House?

Thinking about your retirement plans? Looking to gain financial independence? No matter what your goals are, our advisers will ensure that you have the most appropriate cash-flow plan in place.

  • You’ll benefit from our client-centric approach – working in partnership with you to understand your aspirations and how best we can help you to achieve them.
  • Your adviser will uphold the highest levels of knowledge and ethical practice. We’re proud to hold Corporate Chartered Financial Planner status to reflect that ethos.
  • Our team comprises highly skilled cash-flow planning specialists with award-winning credentials through our previous work with clients.

Get in touch with us if you have any further questions or would like to arrange a complementary consultation. Let us show you how we can help shape a cash-flow plan that delivers for you.


Cash-flow planning FAQs

When should you consider cash-flow planning?

Lifetime cash-flow planning can be done at any point. It can be beneficial to start the process sooner rather than later so that you maximise your chances of achieving all your goals. But it doesn’t mean that there is a threshold at which it becomes too late.

It may be that you will have more options available to you when you start the process earlier. After all, it can be a huge relief to know that you are on track for financial independence – or that your retirement ambitions will be satisfied through the informed choices that you make.

What happens if my plans change?

Life is unpredictable. As you grow older, there can be events and opportunities that leave you rethinking your goals. You may get a fresh perspective on things. Or perhaps you now have a long-term care need that wasn’t foreseen.

No matter what happens, a cash-flow plan can be adapted and adjusted to cope with whatever changes come your way. Your adviser will work with you to reassess your situation, your goals, and what may now be required to get there.

How can you increase your cash flow?

One of your adviser’s roles is to identify means by which you could increase your cash flow. In doing so, this will give you a stronger chance of fulfilling your financial goals.

From the outset, this may be a question of finding ways to growing your earned income. If you can do this, you will ultimately have more coming in than before but there are various options elsewhere of which you can take advantage.

Saunderson House takes a holistic approach to financial planning and investment services. This means that we can advise you in areas such as non-pension investing, increasing your tax efficiency, and making the most of your pension allowances.

This will all form part of our conversation when we gain a clearer insight into what you want to achieve. From this, our expertise means that we can support you now and into the future.


What our clients say

Ian McNally, Director
“We are extremely pleased and grateful to be advised by your team and we will have no hesitation in recommending your company to others. In Saunderson House, we have found a team of professionals who are exceptional in their knowledge and advice.”
Case study

Do you know exactly when you could be financially independent? Our real-life case study  describes how, using Cash Flow Forecasting, we helped a client realise they could retire straight away.


Contact us

If you would like further information about our services or would like to arrange a complimentary, obligation-free telephone conversation or meeting to discuss your requirements, please contact us.