For You / Cash Flow Planning
For individuals & families
Cash Flow Planning
What will you be doing in ten years time? Cash flow planning helps you see whether your finances will support the life you want, today, tomorrow and decades from now.
This service supports clients who are:
Overview
See your finances clearly, today and well into the future
Most people have a rough idea of what they want their future to look like. Far fewer feel sure their money will get them there. Cash flow planning takes the guesswork out of it.
We build a model of your finances, your income, your spending, your savings and your debts, and project it forward over time. The result is a clear picture of whether your money will last, where the pressure points are, and what difference today's decisions will make in the years ahead.
Done well, it answers the questions that often keep people awake. Will I have enough to retire when I want to? What if the markets fall, or I live longer than expected? Can I afford to help my children, or stop work early, or both?
Questions cash flow planning answers
- Will my savings and pensions last through retirement?
- What happens if inflation stays high or markets fall?
- Can I afford to help my children onto the property ladder?
- How early could I retire without running out?
- Am I saving enough alongside everything else?
- What is the impact of selling the business in five years?
In detail
How cash flow planning makes a real difference
Examples from the kinds of conversations we have most often.
A couple in their mid-50s
They hoped to retire at 62 but were not sure it was realistic. Cash flow planning showed that increasing pension contributions for five years and delaying one or two benefits meant they could retire on time, with extra room for travel.
A family in their 40s
Mortgage, two school-age children, a changing career. They wanted to know whether private school and family holidays were compatible with long-term security. Modelling the options gave them a clear path that worked for both.
A business owner approaching exit
Five years from selling the business, they wanted to understand what life would look like afterwards. Modelling different sale prices and tax outcomes showed how much they would actually need from the deal.
A recently retired client
Already drawing income from a mix of pensions and ISAs. Cash flow planning helped them work out the most tax-efficient way to take it, and gave confidence to spend a bit more in the early years without worry.
Stress-testing the plan
What if markets fall 30%? What if you live to 95? What if inflation runs at 5% for a decade? We test plans against the things that worry people most, so you know your plan does not depend on perfect conditions.
Reviewing as life changes
A plan is not a one-off. Careers change, families grow, priorities shift. We review the model with you regularly, so the plan keeps up with your actual life.
Common questions
Frequently asked questions
What is cash flow planning?
Cash flow planning is a financial modelling technique that maps your income, expenditure, assets and liabilities year by year across your expected lifetime. It shows whether your existing plan will sustain your standard of living through retirement and beyond, and how different decisions compound over time. It is a standard part of the financial planning process at Aetas Wealth.
Can cash flow modelling show when I can retire?
Yes. One of the most common uses of cash flow modelling is testing retirement dates. The model shows, under different assumptions about investment returns and expenditure, whether retirement at a chosen age is financially viable, and what adjustments would make it so. Many clients find the answer is earlier than they assumed.
How does the Finance Act 2026 affect cash flow planning?
The Finance Act 2026 pension inheritance tax changes, taking effect April 2027, mean that the sequencing of withdrawals from different assets, pension, ISA, investment portfolio, has significant tax implications for both lifetime income and what passes to the next generation. A cash flow model that correctly sequences drawdown across different asset types can meaningfully affect the outcome.
See how we helped
Organising a lifetime financial plan
A real, anonymised example of this advice in practice.
The first conversation is free
See your future, on paper
Book a no-obligation conversation. We’ll talk through where you are now and explore whether we can help.
Book a meeting →The Financial Conduct Authority does not regulate Wills, Trusts, Tax advice or Cash Flow Planning. Tax treatment depends on individual circumstances and may be subject to change in the future. The value of your investments can go down as well as up, so you could get back less than you invested.