See what your retirement looks like
Cashflow planning maps your entire financial future (pensions, savings, income, spending) projected year by year. A clear, visual picture of when you can retire, how much you can spend, and whether your money will last.
Most people heading into retirement can't answer these three questions
Not because they haven't thought about it - but because without modelling the numbers properly, there's no way to know.
When can I actually afford to retire?
Not a rough idea - an actual year. And what changes if you retire two or three years earlier, or later?
How much can I spend each year?
Can you afford the lifestyle you have in mind - or do you need to adjust your expectations? What level of spending is sustainable?
Will my money last my whole retirement?
People are living into their 90s. A plan that looks fine at 65 can look very different at 85. Does yours hold up?
Cashflow planning helps you explore all three, using your actual numbers.
Will your money last your whole retirement?
The average person reaching 65 today will live well into their 80s. A growing number will reach 90 or beyond. A plan that works at 65 needs to hold up at 85 - through market falls, unexpected costs, and a longer retirement than you anticipated.
Rather than showing a single "best guess" figure, we project your finances across a range of conditions - what if markets perform poorly? What if you live longer than expected? What if inflation stays high? - so you can see how resilient your plan really is.
See how your plan holds upHow it works
Gather
We gather your full financial picture - pensions, savings, property, income, spending and goals. Where assumptions are needed, I explain them.
Model
I build your personalised cashflow model, projecting everything forward to age 90 and beyond using professional financial planning software.
Explore
We explore different futures together - retire earlier, spend more, markets fall - so you can see the impact of each decision before making it.
Review
For ongoing clients, your model is updated every year and when your circumstances change. It is a living plan, not a one-off report.
Common questions about cashflow planning
No - it is valuable at any stage. Whether you are years away from retirement or already drawing an income, cashflow planning helps you see whether saving more now is likely to make a meaningful difference, how much you might sustainably spend, and roughly how much you could give away without running short later on.
It can help. By modelling your assets, income needs and expected longevity, we can estimate when retirement is likely to be affordable, based on clearly stated assumptions. We then show what changes if you retire earlier or later, so you can make that decision with a clear picture of the consequences.
Your adviser
John Anthony Sykes, Dip PFS
Independent Financial Adviser · FCA ref: JXS00972
Whole-of-market and FCA-regulated, working with Fintuity. More about John and how he works →
Ready to see your own picture?
Book a call. We can talk through your situation and how cashflow planning works.