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CASHFLOW MODELLING

Visualise your financial future with dynamic cashflow modelling. Know what you can afford today and tomorrow.

Cashflow modelling turns your financial plan into something you can actually see. Using clear, visual tools, we map out your income, expenditure, assets, and future goals, helping you understand how your finances could evolve over time.


At McCarthy Wealth Management, we use this insight to show you the bigger picture. You’ll see how different decisions, retiring earlier, buying a property, supporting children, or adjusting investments might affect your long-term security and lifestyle.


It’s not about predicting the future; it’s about preparing for it. Cashflow modelling gives you the confidence to make informed choices, test scenarios, and adapt your plan as life changes. By turning numbers into a story you can follow, we help you feel in control of your financial journey and confident that your goals are achievable.

WHAT YOU'LL GET

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SCENARIO MODELLING

(e.g. early retirement, part-time work)

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SENSITIVITY TESTING

(Impact of inflation, market returns, life changes)

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DECISION SUPPORT

(e.g. “If I invest a bit more, how does it shift my retirement age?”)

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CLEAR VISUALS & EXPLANATIONS

(not spreadsheets you need an accountant to read)

WHO'S IT FOR

  • Anyone needing confidence that their decisions lead to sustainable outcomes
  • Clients with multiple cash flows (e.g. rental, pensions, business)
  • Those undecided between alternative paths (e.g. retire early vs part-time work)

FAQ'S

Frequently asked questions about Cashflow Modelling...

  • 1. Is cashflow modelling just a fancy spreadsheet?

    It starts with numbers, but we turn data into insight, showing your life in scenarios, trade-offs, risks and buffer zones.

  • 2. How accurate are the projections?

    They’re as accurate as the assumptions, which is why we stress-test variables (returns, inflation, changing costs) to show ranges, not certainties.

  • 3. Can I test my own “what ifs”?

    Yes - we often provide an interactive dashboard so you can tweak assumptions (e.g. “invest £500 more/month”) and see final impacts.

  • 4. Does it cost extra?

    Cashflow modelling is part of our planning service - built in, not an add-on. But very complex modelling (e.g. for large business owners) may carry additional scope.

  • 5. How often do we revisit the model?

    At least annually, and whenever your goals or finances shift meaningfully (like job change, inheritance, new property, tax law changes).

“Good advice isn’t a one-off conversation - it’s an ongoing relationship.”