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The big picture

Once your financial situation and goals are fully understood, we use cashflow planning to illustrate the financial future you could have. Seeing a picture of how your assets could work to achieve your aspirations can be reassuring and help you make more informed decisions about your wealth.

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What is it?

Cashflow planning is a great way to visualise your personal financial future

Most high-net-worth clients we meet have a broad understanding of what their wealth might achieve but haven’t looked into the detail. By assessing your current financial circumstances and forecasting your future wealth, along with your anticipated income and expenditure, we can use cashflow planning to help you visualise different scenarios and explore potential options.

With a clear picture of your complete wealth, as well as your goals and timelines, our experienced wealth planners can help you make provisions for anticipated life events and commitments and manage your future cashflow.

Get in touch today

Find out how we can help you. Call +44 (0)1624 645000 or email [email protected]

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What it shows

Cashflow planning creates a picture of how your wealth can be managed to achieve your goals

  • A road map for life

    By understanding your current financial circumstances and your future goals and aspirations, our wealth planners can plan the best route you can take to achieve them.

  • Complexity made simple

    Charts can be used to visualise each year of your life up to 100 – with inflows such as earnings, rental or pension income set against your total expenditure requirements each year, including regular expenses, mortgage and education costs, and tax.

    Major life events can also be included to reflect their impact on your ongoing cashflow. Using assumed inflation and forecasting tools, we can then show you a snapshot of your financial situation at any point along your timeline.

What if scenarios?

Visualise your personal financial future

We can stress test your cashflow plan to ensure a high probability of success. This could include building in periods of market decline to see how they affect your assets and whether they impact your financial outcomes. The benefits of cashflow planning can include:

  • Understanding

    Charting your income sources, fixed expenses, discretionary expenses, savings and investments, allows us to get a better understanding of your financial situation.

  • Analysis

    Once we have a picture of your current situation, our cashflow analysis software allows us to analyse your situation over the short, medium and long term.

  • Forecasting

    Our cashflow planning software enables us to explore and project future financial scenarios to help you achieve your goals and aspirations.

Frequently asked questions

Nedbank Private Wealth

What is cashflow?

Cashflow refers to the movement of money over time. It includes income, expenses, savings and investments, and gives an insight into your financial situation.

What is a wealth plan?

A fully bespoke wealth plan is an in-depth view of your financial situation both now and in the future. It includes cashflow planning as part of the analysis.

What information does a cashflow plan show?

It can be used to model how the value of your current assets, income and liabilities will change over your lifetime.

What are the benefits of cashflow planning services?

Cashflow planning services can provide reassurance you have enough money to last your lifetime and also a realistic picture of what you can afford to do with your wealth
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The big picture

Cashflow planning provides reassurance your finances are on course to achieve your financial goals

Your cashflow plan helps us anticipate and react to future events to ensure you remain on track to achieve your goals. We can also explore various scenarios with you. We can assess the impact of making changes to your future plan – such as taking more or less risk with your investments, adjusting your spending needs or making large gifts to children to buy a property – and at a glance you’ll be able to see the effects these would have on your plan. Ultimately, your wealth plan is all about you and provides a road map to your financial future.

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An overview of cashflow planning

Cashflow planning can be used as part of your bespoke wealth plan to help you visualise your financial future.

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Success in retirement

A wealth plan can identify the most efficient ways to manage your retirement wealth

As you reach retirement, our wealth planners are able to analyse and identify the most tax-efficient ways to drawdown money from your various assets and investments and make use of the current allowances, exemptions and structures available.

Your wealth plan could show that you’ll still have significant assets left as you reach 100. This should prompt discussions on whether you wish to spend more or start planning for succession, such as gifting money to children or charity during your lifetime. We can also predict your likely UK inheritance tax liability and work to mitigate it through estate planning.

Staying on track

Manage life’s unexpected changes with regular reviews

Your wealth plan is only one of a multitude of potential outcomes over the years ahead. We’ll review your financial circumstances and goals with you each year, and if necessary, adjust your plan accordingly to make sure you remain on track to achieve your goals.

Staying on track
Related case studies

Read about more clients we have helped

We have helped countless high net worth clients with their financial needs – some straightforward, some complex. Our bespoke approach, where we really get to know our high net worth clients, allows us to offer solutions that other wealth planners and private banks aren’t able to.

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Get in touch today

Find out how we can help you. Call +44 (0)1624 645000 or email [email protected]

Request callback Call now

Find out more about our teams in the UK, Isle of Man, Jersey and Dubai here

Meet our team
Frequently asked questions

Nedbank Private Wealth

What are the benefits of wealth planning?

Wealth planning services can help you manage your wealth in the most efficient and effective way to achieve your financial goals and aspirations.

How much can I pay into a pension?

There is no limit on how much you can contribute to your pension each year, but rules apply on how much tax relief you can claim.

What is inheritance tax?

Inheritance tax may be payable on the total value of your estate when you die. Estate planning allows you to plan ahead for this.

How can I reduce the inheritance tax bill?

A wealth planner can advise on ways you can reduce the inheritance tax charge. These could include gifting, setting up structures or making charity donations.