Pension Transfer Gold Standard

Cashflow Planning

In our experience, people want answers to fundamental questions such as:

  • “How much do I need to earn, save or sell my business for to give me the standard of living I require?”
  • “When, precisely, can I afford to stop doing the things that have become a drag…and start doing the things I really enjoy?”
  • “What do I have to do to ensure I NEVER run out of money?
  • “What level of investment return do I need to achieve my objectives?”
Time and Discipline

We can provide clients with peace of mind when we help to answer these questions for you, by using our specialist cash flow software we arm you with all the information you need to be able to make informed decisions about your lifestyle choices.

We believe that Cash Flow Forecasting should be one of the first steps when preparing a financial plan. When clients fully understand their goals and aspirations then we can ensure that the right plan is put in place to help them achieve this.

Please note: tax and cash flow planning advice are not regulated by the Financial Conduct Authority

Asset Allocation

Asset Class Value £ %age
Used Assets 902,500 52.67
Managed Funds 487,982 28.48
Unquoted Business Assets 296,625 17.31
Cash or Cash Equivalents 19,751 1.15
Miscellaneous 6,240 0.36
Quoted Shared / Directly Owned 390 0.02
Total 1,713,488 100.00
2% 53% 28% 17%

With the unexpected nature of life many people have no idea where they are heading financially. They may have assets, investments, and high levels of income, but they may not have any firm grasp of what it all means, or what sort of financial future they should expect.

That is why Cash Flow Forecasting should be an integral step in all financial plans.

Highwood’s Cash Flow Forecasting involves analysing all income and expenditure – not only at the present time but also for the future, then presenting our clients with possible scenarios in an easy-to-understand, jargon-free way, so that they have a good appreciation of what their future may look like, and helping them to stay in control.

Risk Allocation

Risk Level Value £ %age
Low 1,095,166 63.91
Medium 487,982 28.48
High 130,390 7.61
Total 1,713,488 100.00
64% 28% 8%

Testimonials

Michael’s presentation at the Moor Park Business Club was top class. Apart from my own views, I sat next to an IFA who was nodding all the way through your talk and commented on the excellent manner it was given. He said that he witnesses many similar presentations on similar topics but this had been the best ever witnessed.

As well as coaching individuals in Public Speaking, with an emphasis on Wedding Speeches, I work as an examiner/assessor for a Qualifications Awarding Organisation – English Speaking Board (ESB). As such I travel around the country assessing people giving presentations with view to them acquiring a professional qualification in Communication Skills. Had I been assessing you today there is no doubt you would have achieved a ‘Distinction’ in the ESB Award in Professional Presentation Skills which is at Degree level. Everything about it was excellent. I wish more people could communicate in such a professional manner as you did earlier today.

Graham Le-Gall
Specialist Wedding Speech Coach

Very simply, I cannot speak highly enough of Michael Gould and all that I have had the pleasure of dealing with at Highwood.  Knowledgeable.  Affable.  Personable.  Nothing is too much trouble and no question (however silly it may seem to you) too trivial for a quick and accurate answer.  

Most importantly, Michael ensures that he understands EXACTLY what you are trying to achieve long before you put anything into place.  

An excellent team, from top to bottom, that operate at the pinnacle of their field. 5 stars *****

Jason Robins