What could your future finances look like? With our cash flow planning modelling tool, you can see, year by year, what your total financial picture looks like, helping you visualise your finances, so you can make informed decisions.

We’ll start by collecting information about you and your family, everything from your monthly income, outgoings, savings, and other assets you hold.

We then analyse the information along with your future goals and requirements, considering life events, like retirement, one off expenses (weddings, gifts to children etc) and even your death.

We then create a visual, long term projection for your finances, showing your future requirements, alongside increases or decreases in your assets so we can identify any potential surplus or shortfalls. It’s an important part of financial planning as it shows you if you’re on track to achieve your goals.

You can run through a variety of scenarios to see how they would affect things – What if you brought your retirement forward? What would happen if there was a fall in the market? What happens if your expected returns change? You can also see what happens if you take income from different sources and how it affects your tax bill and overall finances over time.

This chart shows where a new client has a projected shortfall in later life.

Cash flow planning - before

 

This chart shows one possible solution for our clients. It addresses the shortfall issue, putting them back on track, but more importantly, it gives the client peace of mind that they are in a good financial position, both now and in the future.

Cash flow planning - after

 

Sharon explains things clearly in simple English, either by drawing diagrams or by using the Magus software, which is very good. It models different scenarios and outcomes, and enables us to see how we can make best use of the money we’ve accumulated.

Rob and Alison Wood, Magus clients since 1998

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The value of investments can fall as well as rise. You may get back less than you originally invested.

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