Lifestyle cashflow modelling
Each stage of life presents unique financial considerations, and having a solid understanding of your options will empower you to make the best choices for yourself and your loved ones.
Is Lifestyle Cashflow Modelling Right for You?
As you approach retirement: it’s crucial to plan with clarity to ensure a comfortable future. Taking stock of your financial situation and setting clear goals will pave the way for a smooth transition into this new phase of life.
In the midst of your career: reflection is key. Take the time to assess and realign your financial journey. Are you on track to meet your long-term objectives? Are there adjustments you need to make to ensure financial stability and growth?
As you navigate life’s milestones: whether it’s buying a home, starting a family, or sending children to university, it’s essential to make informed decisions.
Each pivotal moment presents unique financial considerations, and having a solid understanding of your options will empower you to make the best financial lifestyle management decisions for yourself and your loved ones.
Exploring Your Financial Future with Voyant
Voyant enables us to take a snapshot of your financial future starting from the date of your Discovery Meeting until a specified age, normally between 90 and 100. Â We collect and log as many facts as possible and also consider future variable spending such as school fees, holidays, life in retirement and care provision.
The resulting findings are often a shock, as many people realise that their pensions and plan to downsize the family home are grossly insufficient to maintain the standard of living they have been used to.
We use Voyant cashflow forecasting, the original (and in our opinion still the best) software for building a cashflow model of your future. This enables us to build snapshots of possible financial futures, giving you insight as to what might happen in different circumstances. By adding granular detail to your model, we can give you confidence that you won’t run out of money before your chosen end date.
Whether you live to 70, or 170, the most important part of financial planning is avoiding nasty shocks. Whilst we know that any model is only as good as the data, and will almost certainly divert from reality straight away, having a model that can be revised as circumstances change, and can signpost problems and opportunities years into the future, provides much needed reassurance for our clients.
We cannot control markets, or the future, and underlying investments may not perform in line with expectations, but building a plan, and updating it as things change, offers a real competitive advantage, allowing our clients to feel safer than they otherwise might.
There are a lot of ‘ingredients’ in successful financial planning, whether it’s the investment solution, using one of our carefully designed Model Portfolios, assessment of risk, and capacity for loss, your cash flow model, or simply the coaching and mentoring around your relationship with money, Walden Capital understands how to deliver this service successfully to clients, and has been doing so for over a decade.
Trusted by our customers:
We’re proud that our financial advisors are rated 4.8 out of 5 and this demonstrates our commitment to providing a highly personalised approach to financial planning for you and your family.Â
Gap analysis
Mind the Gap!!
A cashflow forecast gives useful information about whether you’re ‘on plan’ to have enough money throughout your lifetime.
Knowing whether or not there is going to be a problem in 30 years time gives you opportunity to plan ahead and ensure you can live the life you aspire to, not the one that happens by accident.
Your detailed financial plan allows us to analyse whether there are any potholes in your roadmap that need to be filled, and the best strategy to achieve this.
Find out if we're right for you.
Book a discovery call at a time to suit you and find out if we’re the right advisor for you, or contact us on the details below.
Knowledge & resources
The latest news, information and opinion on the current financial situations and trends plus useful guides to investing, pensions and making the most of your wealth.
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Knowledge & resources
The latest news, information and opinion on the current financial situations and trends plus useful guides to investing, pensions and making the most of your wealth.
