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

Highwood Financial Services have been instrumental in helping us to get our financial house in order and giving us confidence in our plans for the future. We have a small business, and two young children, but we knew that we had gaps in our arrangements. Financial planning requires a high degree of trust, and we instantly had a rapport with Michael Gould that meant we had no hesitation talking with him about our journey so far and hopes for the future. In conjunction with a detailed assessment of our appetite for risk, he conducted a wide-ranging financial review of our existing insurance, historic pension and ongoing savings arrangements, and gave clearly reasoned advice on how to better structure them. We discussed his recommendations in great detail and followed all of his advice. With good life insurance and critical illness cover now in place, with new consolidated pension arrangements, we have confidence in the cover and plans that have put in place for ourselves and our family.
Ben Cons
The French Bedroom Company

I called in yesterday to talk through by pension investment with Paul, he was as always thoroughly professional and I just wanted to acknowledge this. We do not often meet up so for that reason it is a comfort to know Paul is around to look after things.

Gordon Irving
Operations Director, Williams Lea Tag