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

My accountant recommended that I should take advice from a different independent financial advisor four years ago, as my investments were scattered and not especially tax efficient.  They recommended I meet Highwood.

I met Michael Gould of Highwood at my accountants office in 2013 and quickly realised that I should appoint them.  I gave them details of all my assets and they took approximately a month to prepare a thorough written investment report which we followed up with a further meeting. On their advice I gradually changed various holdings including organising my SIPP and setting up Educational trusts for my grandchildren etc.

I have been very impressed after three years with the performance of my portfolio and especially the efficient quiet way that they have responded to my requests. I now have an annual meeting with Highwood to receive a written report and in the Interim they deal with my requests quickly and efficiently in correspondence and by phone. All the team at Highwood appear to be very professional and I have no hesitation in recommending them

David Cons FRICS

My husband and I have been with Highwood for three years. After our previous experiences with financial advisers, it was an enormous relief to find someone who explains everything in language we understand, who sets out the detail of our investments and importantly any charges incurred in a transparent way, and who always responds quickly to any queries we have. We came to Highwood at a time when we had to sort out my mother’s estate and had lots of decisions to make. Michael ‘held our hand’ through the process, and helped to clarify the options we had, and made it all feel much less daunting. We would (and do) highly recommend Highwood.

Mrs Jill Russell