See exactly what your retirement looks like
Cashflow planning maps your entire financial future — pensions, savings, income, spending — projected year by year. You get a clear, visual picture of when you can retire, how much you can spend, and whether your money will last.
It is built around your numbers, not generic assumptions. We work through it together, live, so you leave with answers — not more questions.
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? Where is the safe limit?
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 answers all three — with your actual numbers, not guesswork.
Your income, year by year
In retirement, income comes from several different places at different times — and not all at once. The charts below show a typical picture: how income sources layer up year by year, where expenditure outstrips income, and how a plan bridges the gap.
Illustrative example only — figures shown in £k per year. Your chart is built around your own pension values, ISA balances, expected spending and retirement age.
Many people retire before 67. Pension drawdown can bridge that gap — but the timing and amount matters. Getting it wrong costs money in unnecessary tax.
Whether you draw from your pension or ISA first — or in what combination — makes a material difference to how much tax you pay across your whole retirement.
All of your income sources, every year, on one chart — so you can see exactly what changes when you adjust your retirement date, spending, or investment strategy.
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 upIllustrative range of outcomes — retirement to age 90
A well-structured plan should hold up across all three scenarios — not just the most optimistic one.
From first call to full clarity in four steps
Discovery
We gather your full financial picture — pensions, savings, property, income, spending and goals. Nothing is assumed.
Modelling
I build your personalised cashflow model, projecting everything forward to age 90 and beyond using professional financial planning software.
Scenarios
We explore different futures together — retire earlier, spend more, markets fall — so you can see the impact of each decision before making it.
Ongoing review
Your model is updated every year and whenever your circumstances change. It is a living plan, not a one-off report.
Common questions about cashflow planning
That's a fair question. Cashflow modelling takes time to build properly and requires a detailed understanding of your full financial picture — not just the products you hold. Some advisers focus primarily on product transactions rather than holistic planning. If you have an adviser and have never been shown a projection of your financial future with your actual numbers, it's worth asking why — and whether the advice you're receiving is as complete as it could be.
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 makes a material difference, how much you can safely spend, and how much you can give away without running short later on.
Yes — this is one of the most powerful things it does. By modelling your assets, income needs and expected longevity, we can identify the earliest realistic retirement date. We then show what changes if you retire earlier or later, so you can make that decision with a clear picture of the consequences.
Ready to see your own picture?
Book a free 20-minute call. We'll talk through your situation and explain how cashflow planning can work for you — no obligation.