In order to develop your financial plan, you need clarity over your goals, your objectives and your motivations. Cash flow analysis illustrates what might happen to your finances in the future, and enables you to plan to ensure that you make the most of your money to achieve your financial objectives.

The process of cash flow analysis shows your current position relative to your preferred position and your goals by assessing your current and forecasted wealth, along with income inflows and expenditure outflows to create a picture of your finances, now and in the future. This detailed picture of your assets includes investments, debts, income and expenditure, which are projected forward, year by year, using calculated rates of growth, income, inflation, wage rises and interest rates.

In order to implement a detailed plan that outlines how to deliver your financial future, communication is vital. The process and planning is only as good and as comprehensive as the information you provide.

Cash flow analysis can determine what recommendations and best course of action are appropriate for your particular situation and the right asset allocation mix. The growth rate you require is calculated to meet your investment objectives. This rate is then cross-referenced with your attitude to risk to ensure your expectations are realistic and compatible with the asset allocation needed to achieve the necessary growth rate.

Where cash flow analysis becomes particularly useful is the analysis of different scenarios based on decisions you may make – this could be lifestyle choices or perhaps investment decisions.

Cash flow analysis helps you stay in control of your financial future by giving a more holistic planning approach and clearer picture of the consequences of change on an ongoing basis. It also helps to give an idea of when certain key decisions should be made, such as retiring early or downsizing a property. For more information, or to discuss how we could assist you to achieve the financial control and freedom you require, please contact us on 02380 420 606.

You may also want to fill out our Cashflow Analysis Form so we can discuss your requirements in more detail.

I have utilised the services of Roger Badley and Asset Management for over ten years. Throughout that time I have always received a prompt, professional and extremely reliable service; one that I would be happy to recommend to other potential clients.

Keith Lewis – Managing Director, Matchtech