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Guide to Cash Flow Modelling



    In order to create a detailed plan of how to deliver the financial future a client wants, communication is vital. The plan an adviser creates is only as good and as comprehensive as the information they gather from their talks with a client.

    This guide will explain the pros and cons of cash flow modelling, who would benefit from the process, how to select software to assist this approach to financial planning and how much to charge for the service.

    FTAdviser would like to thank Rebecca Taylor, president of the Institute of Financial Planning, and the following financial advisers for sharing their approaches to cash flow modelling: Danny Cox, head of financial planning at Bristol-based Hargreaves Lansdown; David Gibson, director of County Londonderry-based Gibson Financial Planning; David Crozier, director of County Down-based IFA Navigator Financial Planning; and Neil Bailey, director and financial planner of Northamptonshire-based Fortitude Financial Planning.

    In this guide


    Please answer the six multiple choice questions below in order to bank your CPD. Multiple attempts are available until all questions are correctly answered.

    1. Who can benefit from cash flow modelling, according to Ms Taylor?

    2. How does Mr Crozier describe the benefits of cash flow modelling?

    3. What will the assumed rates of growth, income and tax be for cash flow modelling purposes be, according to Mr Cox?

    4. How often should plans produced by cash flow modelling be reviewed, according to Mr Gibson?

    5. What is the typical fixed fee charged by Mr Bailey for the initial planning process?

    6. What does the regulator say about adviser charging?

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