How do you know whether you have enough money to retire, how much you can afford to spend, or whether your financial plans will hold up if circumstances change? Cash flow modelling is one of the tools financial planners use to help answer these questions. By looking at your income, expenditure, savings, investments and future financial goals, it can provide a clearer picture of how your finances may develop over time. In this episode of Hoxton Life, Financial Adviser Zavio D’ercole joins Chris Ball, CEO of Hoxton Wealth, to explain how cash flow modelling works, why it is an important part of financial planning, and how it helps clients make informed decisions about their money. We discuss: - What cash flow modelling involves, from assessing your current financial position to forecasting future income, expenditure and assets. - Planning for retirement, including understanding when you may be able to retire, how much you can afford to spend and whether your money is likely to last. - Stress-testing your financial plan against different investment returns, inflation, market downturns and life expectancy. - Planning for major life decisions, including gifting money to children, managing inheritance tax considerations and selling a business. - Identifying potential shortfalls, reviewing investment risks and understanding when changes to saving, spending or retirement plans may be needed. - Keeping financial plans up to date as personal circumstances, priorities and long-term goals change. Zavio also shares a real client example where an unexpected payment from the sale of a business shareholding changed the client's retirement position. By updating the cash flow model, they were able to see that retirement could be an option much sooner than originally planned. Chris and Zavio discuss how Hoxton Wealth uses cash flow modelling through WealthFlow, available in the Hoxton Wealth app, to help clients visualise different scenarios and understand the potential impact of their decisions. The conversation also looks beyond retirement. Whether you are planning to support your children's education, make gifts during your lifetime, prepare for a business sale or simply understand how much you need to fund the lifestyle you want, cash flow modelling can help connect your financial decisions to your personal goals. Watch the full episode on the Hoxton Life YouTube channel, or listen on Spotify and Apple Podcasts. Ready to start your international financial planning career? Hoxton Wealth is looking for ambitious individuals ready to take their careers to the next level. Whether you're interested in international financial planning, compliance, client servicing, or marketing roles within the financial sector, we offer unparalleled opportunities for growth and success. Don’t miss a beat! Subscribe to our YouTube channel to watch full podcast episodes featuring insights from those that work for Hoxton and some of our special guests and partners. Stay connected by following us on Instagram, Facebook, LinkedIn, and X for more exclusive content. Curious about our career opportunities? Visit our website to explore open positions and learn more about joining the Hoxton Wealth team. Your journey in international financial planning starts here! For sponsorships, partnerships, or media inquiries, reach out to us
