I want to visualise my financial future

Cash Flow Modelling


Forecasting your financial future.

Cash flow modelling is used by financial planners to illustrate your current financial position relative to your objectives. It can help put plans in place to achieve your financial life goals and answer questions such as ‘do I have enough money?’ and ‘when can I afford to retire?’

What is it used for?

Cash flow modelling can assist in planning and achieving financial objectives by visualising cash flow now and into the future. It can:

  • Show if you will have enough money to retire when you would like to
  • Show if you could achieve your desired lifestyle in retirement
  • Help to utilise tax allowances including Inheritance Tax (IHT) planning
  • Help to identify any potential surplus or shortfall in cash flow
  • Plan a number of ‘what if’ scenarios and illustrate how they would impact your goals
  • Highlight how seemingly minor changes have the potential to dramatically change your financial future
How it Works
Planning for the Unexpected

You can run through many different scenarios to see how they might affect your finances. For example:

  • Can you bring your retirement forward?
  • What if you fell ill and were unable to work?
  • Changes in the expected return on your investments or simulating a fall in the market
  • See how taking income from different sources could affect your tax bill and your overall finances over time
Review Regularly

Financial plans should be reviewed regularly and at least every 12 months to:

  • Reflect changes in personal circumstances
  • Review your goals, they may change
  • Keep track of progress
  • Take regulatory changes into account
  • Give you confidence

Even seemingly small changes in circumstances can mean there is a better path towards your financial goal.

Our advisers

Your adviser will work with you to understand your current situation and appetite for risk. All of the advice given will be tailored to you, your circumstances and your objectives.

You will be supported throughout your financial planning journey from setting long-term financial goals and working towards targeted growth, right through to retirement and taking income.

View our team
Our advice process

What our clients say

I have dealt with Pareto over the last couple of years and have always found them to be extremely helpful and knowledgeable. The person I deal with is Stuart Craig, who has always been professional, efficient and has given advice that’s clear, concise and understandable.

JennyVia Trustpilot

Paul has been advising us for several years and we have found his advice and care over this period to be invaluable. He delivers information in a clear and concise manner and we have total trust in his guidance. A very professional service which we highly recommended.

Longstanding Pareto Client

James Hogg is a credit to Pareto. Always professional, well presented, organised and knowledgeable. He is a great listener, explains your options very carefully, checks your understanding and puts you at ease with decisions you then go on to make. He responds to requests speedily and makes himself available at short notice. I highly recommend James, particularly for clients who find the world of pensions and investment a mine field!

Louise F

I've been fortunate enough to have been advised exclusively over the past few years by Stuart Carswell. Stuart's advice has always been a model of clarity and his ability to explain less than straightforward financial concepts is exceptional. Stuart provides tailored, bespoke advice and my only regret is that I didn't appointed him years earlier than I did.

PeterVia Trustpilot

The best compliment I can give to Stuart is that I trust him implicitly to advise me on how best to manage my finances to secure the best possible future for me and my family. I love my family more than words can describe and the trust I place in Stuart is thus no small thing. Great guy.

Chris SuttonJMW
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