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 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

After I sold my business I decided to take a serious look at my Pension Fund that I’d built up over many years and to appoint new financial advisors. Upon the recommendation of David Grunberg of Grunberg & Co, I approached Michael Gould and Highwood. It was important to me to be working with someone that I liked and felt I could get on well with, and Michael ticked those boxes. He appeared to be a man of honesty and integrity and he explained things in an easy to understand and relaxed fashion, and without any complicated technical financial jargon. He still does. I was looking for someone to take over my hard earned pension fund, look after it and invest it well, in order that it would in turn look after me going forward. I also wanted to sleep well at night, knowing it was in safe hands. So, 5 years on and I still sleep well at night, very well in fact. Michael and his team have looked after me extremely well, I’m now drawing down on my pension fund and am pleased to say that, even in this unsettled market, my fund is growing by at least, if not more than I’m taking out, and my capital is still intact.

Peter Nye