A cashflow plan maps your income, spending, savings and investments year by year, from today through retirement and beyond. It’s one of the most useful tools we have, and it’s at the heart of how we plan with clients.
What it can show you
- Whether your money is likely to last as long as you need it to
- How much you could afford to spend, give away or retire early
- The effect of big decisions before you make them
- Where tax and timing could make a difference
What it can’t
A cashflow plan isn’t a promise. It relies on assumptions about growth, inflation and how long you’ll live, and real life rarely follows a straight line.
The value isn’t in predicting the future. It’s in seeing the choices clearly, and testing them before you commit.
Why it’s reviewed, not filed
We update your plan as your life and the rules change. Each review shows whether you’re still on course, and what to adjust if you’re not.
Last reviewed 6th October 2026. This is for general information only and isn’t personal financial advice. Tax rules can change, and how they apply depends on your circumstances. The value of investments can go down as well as up, so you could get back less than you put in.
