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Why is cashflow planning important?

What is cashflow planning and how can it help you?  Cashflow planning is a powerful tool that can be used to help you plan financially for your retirement.  Most of us have goals in life relating to how we would like to live in our retirement but are not always sure how to fund them.  Without understanding whether you have enough retirement income to retire at your chosen age or whether you can afford to maintain your current lifestyle after you retire, you will not be able to understand how to make the best use of your retirement funds. 

How does it work?

Cashflow planning will evaluate your income and expenditure and looks at how you can plan your retirement using this income effectively and in the most tax efficient manner.  Taking your monthly expenditure into consideration, it will show you how much monthly income you could live on during your retirement based on your present levels of income.  It will also take any capital into account and show you how this can be used to either provide funds during your retirement or assist with funding a specific goal – for example a dream holiday or buying a second property.


What happens if my circumstances change?

Cashflow planning should be an important part of your long-term financial plan and, if carried out on a regular basis, should help you adapt your finances to cope with unexpected changes in your personal circumstances, for example a sudden loss in income or an unexpected inheritance.

Our advisers actively encourage clients to participate in this process to help them understand their short and long-term goals and help them focus on what is important for them during their retirement.  If you are unsure about how to manage your retirement income and are interested in finding out more about this process, please do not hesitate to contact us on 

0117 907 1965

Watch our cashflow planning video

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41 North View,

Westbury Park,

Bristol BS6 7PY

0117 907 1965