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Cash flow modelling for retirement

Wondering if you have enough money to last throughout your retirement? Our cash flow modelling service can help put your mind at rest and enable you to plan for retirement with confidence.  

What’s more, if it looks like your cash flow may fall short of your goals, our independent Wealth Planners will be able to advise you on different strategies to get your retirement plans back on track.

Book a free consultation

Book a free consultation with an independent Wealth Planner to find out how cash flow modelling can help you achieve your retirement goals.

Get in touch

What is cash flow modelling?

Cash flow modelling involves assessing your current and forecasted wealth along with your income and expenditure using assumed rates of investment growth, inflation and interest rates to build a picture of your finances now and in the future.

It can help you answer important questions such as:

  • Are my assets and savings enough to support my aspirations?
  • Do I have enough to retire early?
  • Am I taking too much investment risk with my pension or portfolio?
  • Will I run out of money?

How our cash flow planning service works

  1. Understand your financial situation and aspirations – we will meet with you to get an understanding of your current assets, pensions, outgoings and income, as well as your objectives and wishes for retirement, before carefully considering the financial implications of each.
  2. Forecast your future cash flow – using our intelligent financial software, we will forecast whether your current arrangements will meet your goals and demonstrate several ‘What if?’ scenarios based on different versions of your future, including the potential effects of any changes.
  3. Build your personal retirement cash flow plan – to show you how much you need to save and the returns you need to achieve to meet your objectives.
  4. Recommend solutions – to help you achieve your goals and set them up for you if you wish.
  5. Regularly review your plan – we can revisit your cash flow plan to adjust it in line with any changes in your circumstances.


What are the benefits of retirement cash flow planning?

  • Gives you a true picture of your personal income and expenditure right now
  • Illustrates how your situation and needs might change in the future
  • Estimates your future cash flow
  • Ensures you make adequate financial provision for death and long-term care
  • Enables us to develop a tax-efficient investment strategy for your capital and surplus income
  • Makes you aware of any inheritance tax issues that could affect your beneficiaries.

Why choose our cash flow modelling service?

  • An accurate view of your financial future – using cutting edge cash flow modelling software
  • Independent Wealth Planners with no ties to any provider, product or service (not even our own)
  • Highly qualified team including chartered and certified financial planners, fellows of the Personal Finance Society and SOLLA accredited advisers
  • Clear and transparent guidance on how to structure your retirement plan to meet your long-term goals
  • Specialist advice on complex areas such as pension allowances and tax reliefs
  • Ongoing reviews to ensure your retirement plan and cash flow forecast are always aligned

Book a free consultation

Book a free consultation with an independent Wealth Planner to find out how cash flow modelling can help you achieve your retirement goals.

Get in touch

Investment involves risk. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested. Past performance is not a reliable indicator of future performance.

The tax treatment of all investments depends upon individual circumstances and the levels and basis of taxation may change in the future. Investors should discuss their financial arrangements with their own tax adviser before investing.

The information provided is not to be treated as specific advice. It has no regard for the specific investment objectives, financial situation or needs of any specific person or entity.


Book a free consultation with a Wealth Planner


Typically, we provide financial advice to clients with assets over £250,000. Please note, we do not offer a one-off share sale service below these amounts.

If you are interested in career opportunities at Canaccord Genuity Wealth Management, then please do not use this form to get in touch. Instead, please head over to our careers page to find out more.

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What happens next?

1. Arranging an initial consultation

First you can expect to receive an email from our team within 48 hours to find a suitable time that works for you, to arrange a voice or video call for an initial consultation.

2. Your consultation 

During this consultation, a member of the team will discuss your situation with you to understand your requirements and answer any questions you might have about Canaccord Genuity Wealth Management and the services that we provide.

3. Referral to a Wealth Planner or Investment Manager

If you decide to progress with us, you will be referred to one of our Wealth Planners or Investment Managers to discuss your situation and requirements in more detail. They will then design a bespoke proposal detailing a unique investment portfolio that matches your individual requirements and attitude to risk, to meet you and your family’s needs.

4. Working with you long-term

With our wealth planning and investment management professionals, your wealth is in expert hands. Our mission is simple - to help you build your wealth with confidence. We will always keep you informed about your investment portfolio and performance and will continue to work with you to build our relationship on your terms. We can meet with you face-to-face, by phone or by email, whichever is more convenient for you. You can also access your account online at any time through our app. Our wealth management professionals are always readily available to speak with you.


Cash flow modelling in action

The following example shows how cash flow modelling can help you plan effectively for your retirement.

Cathy and Chris are both in their 50s with reasonable savings and two children who are still financially dependent on them. Their goal is to retire in their early sixties on an income of £3,000 a month and sail around the world.

We created a retirement cash flow plan to assess whether their current financial arrangements would enable them to achieve these goals.

This plan broke down their finances year-by year, taking into account all their savings, investments, pension contributions, spending in retirement and other commitments such as repaying the mortgage, helping the children financially, paying care home costs in old age and any inheritance tax liabilities.

It showed them that by the time Chris reaches his target retirement age of 60, they will have accumulated nearly £1.4m in savings, but they will need to repay the mortgage from this and start drawing their target income of £3,000 a month.

The plan also detailed each year’s projected financial situation and any inheritance tax liabilities, giving them peace of mind and the confidence that their retirement plans are on track.

In summary:

  • At the end of their first year in retirement, they will have around £1.4m available to meet their ongoing commitments (based on 2.5% growth per annum)
  • When Chris is aged 65 they could withdraw funds from his pension to help their children buy their first home
  • When Chris is 85, they could downsize their home, releasing £750,000 to help rebuild their asset base for later life needs
  • If Chris and Cathy live to 95 and 93 respectively and need care in later years, their children will still inherit around £1m, which should be free from inheritance tax.

Investment involves risk and you may not get back what you invest. It’s not suitable for everyone.

Investment involves risk and is not suitable for everyone.