A cash flow model is a detailed picture of a clients’ assets, investments, debts, income and expenditure, which are projected forward, year by year, using assumed rates of growth, income, inflation, wage rises and interest rates.

Our expert team of advisers will work with you to create a detailed plan and strategy to secure your financial future. This plan will be subject to review on a regular basis to accommodate changes in your personal circumstances. You will be in charge of the plan and will be able to dictate the necessary changes to reach your goal.

You will be in control of the plan

Modelling anticipated expenses alongside your investments and pensions can help you better understand your future, and provide you with peace of mind when it comes to your long-term goals.

Here at Lovewell Blake Financial Planning Limited, our expert team of advisers and Paraplanners, can provide valuable support to help plan ahead for your future. As you will see from the cash flow graph below, it can focus on providing you with:

  • The dotted red line details the current fund value and its value as you draw benefits through retirement. This allows your adviser and you to calculate the longevity relative to the risk you are comfortable taking.
  • The stable red line shows the income which has been requested in this example, which has been increasing with RPI throughout the graph.
  • We will always consider the impact of tax to ensure your income, assets and liabilities are structured to maximise tax efficiency.
  • The green shaded area can show how the tax free element drawn as income can delay paying tax on your income and help to extend the income, rather than drawing your tax free cash as a lump sum.
  • The tool will also factor in other incomes such as your state pension.
  • The flexibility to factor in changes, and the ability to demonstrate how changes may affect your objectives. Will assist you through your retirement journey with you being in control.


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