Having appreciated their financial goals, we suggested using a tool which models your cashflow throughout the course of your life. This allowed us to review their existing assets, liabilities and even expenditure to forecast what income they could expect to receive based on their existing financial situation.
Using the information generated, we could then look at the impact of different financial scenarios, such as investing more, spending less and vice versa to see what income they could expect in the future.
Armed with this knowledge, Andy and Alison now have the financial clarity they need. They understand what levels of investment is needed over the next few years which will allow them to make decisions about when to set sail!