Independent Financial Planning Kent

Financial planning will help you answer one of life’s fundamental questions:

“Will I run out of money?”

It is a key question and often very hard to resolve – bespoke personal financial planning / lifetime cash flow forecasting provides an answer.

Our financial planning software produces a lifetime, inflation-adjusted cash flow forecast which graphically demonstrates income, expenditure and where appropriate capital depletion or appreciation over a lifetime. Once understood our plans can clearly show the financial consequences of various plans.

A simple financial planning example might be:

Your objectives

  • Age 50, planning to retire at age 65:
  • Target retirement income £3,000 per month
  • Target capital lump sum at retirement £100,000

Current financial arrangements

  • ISAs £49,700, 3% growth, £200 monthly savings
  • Pension £220,000, 4% growth, £500 pm savings

Check out the cashflow model below following this simple 3 colour key

 Total expected income
 Lifestyle shortfall for year
 Net outgoings from cash flow


Result: Cash flow shortfall! You run out of money.. lets try…

Possible alternative arrangements:

Increase pension savings to £1,300 pm and invest pension pot to achieve 7% growth


Result: no shortfall! You could also try in addition:

Reduce the target retirement income to £2,000 per month, sourced from pension income drawdown, and draw £100,000 in cash from the pension pot


Result: no shortfall!

Numerous variables can be adjusted to achieve the required outcome, including:

  • Investment returns
  • The level of drawings
  • Outgoings
  • Mortgage rates
  • Mortgage repayment dates
  • Tax rates
  • Inflation
  • Inheritances
  • Retirement dates
  • Life insurances


“Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.”

Mr Micawber in David Copperfield by Charles Dickens

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