Cashflow modelling is a valuable tool that helps bring clarity and structure to your financial planning. Using Voyant, one of the UK’s leading financial planning systems, I can project how your income, expenditure, savings, and investments may evolve over time. It provides a detailed, visual picture of your financial position - helping you explore questions such as:

• When could I afford to retire comfortably?
• What impact would it have if I gifted money to family or decided to downsize?
• How resilient is my plan if investment returns or interest rates change?

With my background as a Chartered Accountant, I place great importance on accuracy and attention to detail. Cashflow modelling allows me to test assumptions, highlight potential risks, and help your plan remain both realistic and achievable. Unlike many financial advisers I include this service at no additional cost. It’s simply part of how I help clients make informed, confident decisions about their future.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.