Describing a Cash Flow Plan as complex would be an understatement. The plan requires sufficient up-to-date knowledge and rigorous detail, so that it can:
- Raise awareness of tax issues that are likely to arise on death
- Develop an investment strategy in accordance with risk/reward, flexibility and accessibility with which you are comfortable
- Minimise tax liabilities
- Ensure adequate provision is made for the financial consequences of death or disablement
- Estimate future cash flow based on realistic assumptions
Computers thrive on complexity, and can deal with possibilities and probabilities far better than a human being. That said, they do not have the analytical power of the human mind. We utilise a combination of the two to create the sort of financial plan that will be right for you.
We’ll also take things further than just the plan. If the scenarios we consider suggest you might not have enough money to fund the lifestyle you would like, we’ll look at ways to deal with this. For example, by suggesting that you save more, spend less or retire later. It also works the other way. If after modelling different scenarios, it looks like you have a great financial future ahead, we’ll encourage you to spend more of your money on chasing your dreams and aspirations. Working with you, we’ll create a financial master-plan. This plan will help you be more confident, so that you will be able to live the life you want without worrying about your finances.
Be proactive; let a professionally produced cash flow plan ensure that you don’t run out of money before you run out of life.