Cashflow Modelling Advice
Know Exactly Where You Stand — and Where You're Headed
Unexpected life changes, business ups and downs, rising costs or retirement plans can make your financial future feel fuzzy and unpredictable.
At Lucent, cashflow modelling is included in your financial plan giving you a clear, realistic roadmap — showing what your income, savings, investments and obligations mean for the coming years. You get more than numbers: you get clarity, choice and confidence.
Clients Trust Lucent for
Cashflow Modelling
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Why Most Financial Plans Feel Like Guesswork
You’re juggling income, savings, investments, pension pots, perhaps a business — but nothing tells you if your plans will work long-term.
Big questions about the future keep nagging:
- "Can I afford to retire when I want?”
- "What happens if we buy a house, help our kids with university, or face long-term care costs?”
- “If I own a business — can I draw income sustainably without harming the business or my future?”
- “If something unexpected happens — illness, redundancy, market downturn — will we still be OK?”
Without a live forecast, you end up making decisions based on hope, not insight. That’s risky!
A Cashflow Forecast That Connects All the Dots
At Lucent, we build a detailed cashflow model into your overall financial plan, turning uncertainty into clarity.
Your forecast shows:
- When and whether you can retire — and at what lifestyle level
- How much you need to save now to achieve future goals (property, education, travel, lifestyle)
- What income you and your family can safely draw — even if business income fluctuates
- The impact of major life events — house purchase, children’s education, long-term care, inheritance, business exit — on your long-term plan
- How investments, pensions, taxes, estate planning and protection fit together — so everything aligns
With a real, visual roadmap, you no longer have to guess — you know.
What You Get When We Build Your Cashflow Plan
- A full, easy-to-read financial forecast — showing income, expenses, savings, investments, lifestyle needs and obligations over time
- Scenario testing — “what-if” analysis (retire earlier or later, invest more or less, buy property, change career, business sale, market shock) so you understand how different choices impact your future
- Clear visibility on risks: gaps in income, tax pressure, retirement shortfall, cashflow squeezes, potential debt — before they become problems
- A plan that evolves with your life — reviewed regularly to stay accurate as income, spending, family or business change
In short — you trade guesswork for foresight.
Our Simple 5-Step Cashflow Modelling Process
Cashflow modelling is included as part of your financial plan.
Here’s how it works:
1. Explore & Gather
We map out your entire financial situation: income, assets, liabilities, lifestyle, dependants, future goals.
2. Build the Model
Using robust assumptions (investment returns, inflation, spending, income, life events), we project your cashflow out over time.
3. Scenario Test
We run “what-if” scenarios: early retirement, property purchase, business sale, market stress, gifting to children, long-term care, etc.
4. Review & Discuss
We walk you through the model, explain what it shows, answer your questions — in plain, jargon-free language.
5. Integrate & Update
We link the model to your broader financial plan (retirement, investments, tax, protection), update regularly and adapt as life changes.
Who Benefits Most from Cashflow Modelling
Individuals & Families
You want to retire comfortably, buy a home, help children, enjoy life — without worry. A cashflow model shows whether your aspirations are realistic, and what adjustments you need to make.
Business Owners & Entrepreneurs
Your income may fluctuate. You want clarity on what you can safely draw, when you can exit, how your business links to your lifestyle. A cashflow model lets you test exit strategies, income extraction plans and long-term wealth outcomes.
Anyone with Long-Term Goals, Assets or Complexity
Savings, pensions, investments, property, debts, business interests — if you have a mix of assets and ambitions, a cashflow model turns chaos into clarity.
Why Clients Choose Lucent for Cashflow Modelling
- Holistic Expertise — we don’t treat cashflow as a spreadsheet exercise. We connect it with your pensions, investments, tax, estate and protection plans.
- Independent, Chartered Advice — no product-pushing. Just clear, regulated planning tailored to you.
- Plain-English, Human Explanation — we break down complex forecasts into understandable insights.
- Dynamic, Living Models — plans that flex as your life changes; not static reports that quickly go stale.
- Clarity, Not Confusion — we remove guesswork. You get clear visibility, confident decision-making, and peace of mind.
Ready to see your financial future?
Contact Lucent today to help you see exactly where your wealth is headed, so you can make confident, informed financial decisions.
- Do you want to understand your financial situation and future projections in detail?
- Are you interested in visualising how your assets and income will support your goals over time?
- Do you need help planning for future expenses and managing your cash flow effectively?
- Would you like a comprehensive cashflow model that aligns with your financial objectives?
If you answer yes to the above, get in touch.
FAQs
Cashflow modelling is a tool that forecasts your future income, expenses, savings, and investments, helping you visualise your financial future and make better-informed decisions.
Cashflow modelling is fully integrated into your financial plan, providing a clear roadmap that aligns every financial decision with your long-term goals.
We recommend updating your cashflow model regularly—especially after major life events like a new job, property purchase, or retirement. Our advisors will work with you to keep your plan up-to-date and on track.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.