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

As soon as we met Michael Gould of Highwood we felt confident that we could trust him as a financial adviser. He gives us sound advice; we receive excellent service from his team and we have been delighted with the performance of our portfolio. We have recommended Highwood to our family, friends and clients, all of whom are equally pleased.

Michelle and Jeremy Fisher

I’ve worked with Highwood since we started our company over 12 years ago. Highwood now not only works with my business partner and me, but also a large number of the 80 people that work here at Grand Union. In addition to always getting strong financial advice from the Highwood team, I rely on Michael Gould for crucial guidance and support in relation to my family and professional finances. His expertise, understanding and, above all, candour has proved invaluable throughout this time.

Matt Nicholls
Chief Executive, Grand Union Limited