A cashflow model is a detailed picture of your assets, investments, debts, income, and expenditure, which are projected forward, year by year, using assumed rates of growth, income, inflation, wage rises and interest rates. This allows us to model a variety of different scenarios to see which approach will best ensure that you are always financially secure, no matter what happens. Personal circumstances, global events, and investment returns change regularly and our ability to adapt to those changes, and predict their impact on your finances, is fundamental to your peace of mind. Cashflow modelling enables us to give you a much clearer indication of how different approaches and circumstances will affect your future financial position and enables you to make informed decisions, such as: