• Culverhouse & Co

Cash Flow Modelling Explained

Updated: Jan 27

Perhaps you’re mulling over a number of different pathways…whether you can afford to retire at 60, how much you can spend on a new extension, whether you can help out a grand-child with school fees….but if you choose one or more of these options will your money run out, and if so when?

What is Cash Flow Modelling? Cash Flow Modelling puts you in the driving seat, enabling you to see a clearer financial picture before making any decisions*. It allows you to test out the impact of any combination of actions/events on your cash flow in both the short and long term, before making any life choices.

Why consider it? It allows you to, amongst other things: make informed decisions, keep your finances organised and working in a way that provides the best potential for you to achieve your dreams, identify and manage any tax liabilities and ensure that any surplus income is working as hard as it can for you.

How does it work? We will take time to fully understand your aspirations. We will then model a number of different ‘what if’ scenarios using specialist software that takes into account your wishes, approach to risk and also variables outside your control (eg inflation, redundancy, long-term illness, interest rates etc).

How often do you do it? This isn’t a ‘one off’ exercise. We work closely with our clients to review their finances and cash flow models on an ongoing basis .

Next Steps Contact us if you’d like to find out more about how Cash Flow Modelling could help your decision making.

Remember that the value of your investments can fall as well as rise. The Financial Conduct Authority does not regulate cash flow modelling.

* It is important to ensure that information provided for a cash flow model is as accurate as possible. A cash flow model is only as accurate as the information entered within it.

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Culverhouse & Co. is the trading name of Culverhouse & Co Ltd and Culverhouse Financial Planning Ltd.


Culverhouse & Co Ltd Company No: 6426365

Culverhouse Financial Planning Ltd Company No: 08470047

Registered Offices: 7 High Street, Farnborough Village, Kent, BR6 7BQ

Email: info@culverhouse-accountants.co.uk

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Culverhouse & Co Ltd is registered to carry on audit work in the UK and Ireland by the Institute of Chartered Accountants in England and Wales.

Details about our audit registration can be viewed at www.auditregister.org.uk for the UK and www.cro.ie/auditors for Ireland, under reference number C001690279.

Culverhouse Financial Planning Ltd is Authorised and Regulated by the Financial Conduct Authority for Financial Services. FCA Registration Number: 600931

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The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.

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