Cashflow Modelling
Knowing where you stand today is one thing, but having a crystal-clear picture of your financial future? That’s next-level. At Lucent, we are here to help you visualise your financial future with expert cashflow modelling.
How We Help People with Cashflow Modelling
Cashflow modelling is a powerful tool that helps you see exactly how your money is likely to flow in the years ahead—what’s coming in, what’s going out, and how your savings and investments are building up over time.
At Lucent, we use cashflow modelling to give you more than just numbers; we give you a roadmap. Whether it’s planning for retirement, managing a major life change, or making sure your tax strategy is airtight, cashflow modelling keeps you on track and in control of your financial future.
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Why Choose Lucent to Model Your Cashflow?
Without a solid cashflow model, your financial future can seem a bit... well, foggy. Maybe you’re unsure if your current savings and investments will support your dream lifestyle in retirement, or how buying that second home might impact your long-term finances. Many people struggle to see the big picture, leaving them in the dark about whether they’re on track or not.
And for business owners, it gets even more complicated—balancing personal and business finances while planning for retirement or a potential exit can feel overwhelming.
- Am I saving enough to enjoy the retirement I’ve always imagined?
- Will my finances hold up if unexpected healthcare costs or long-term care become an issue?
- How will big life events—like buying a new property or helping my children with education—impact my long-term plans?
- How will my business and personal cashflows align in the future?
- What’s a sustainable amount to withdraw from my business without risking its stability?
- How will different business exit strategies affect my overall wealth and retirement plans?
Why Guesswork Isn’t Good Enough
Without a clear cashflow model, you’re likely to make decisions based on guesswork rather than hard facts. And that’s risky.
For Individuals & Families, this could mean spending too freely today, only to find yourself short of funds in retirement. Or worse, you might be saving too much and sacrificing experiences you could be enjoying right now. If unexpected costs—like healthcare or long-term care—aren’t factored in, your nest egg could shrink faster than you think.
For Business Owners, a lack of cashflow clarity can lead to poor decisions that jeopardise both your personal and professional financial stability. Without proper modelling, you might end up taking too much out of your business or missing the optimal timing to sell. That’s not a gamble you want to take when your long-term security is on the line.
How Lucent Makes CashflowModelling Simple & Effective
At Lucent, we integrate cashflow modelling into every aspect of your financial plan. We don’t just show you the numbers; we help you understand what they mean for your future.
Our advanced modelling tools and expert advisers break down complex scenarios into easy-to-understand projections, so you know exactly where you stand and what adjustments you might need to make.
Cashflow Modelling for Individuals and Families
We build detailed cashflow models that map out your entire financial journey. From now until retirement (and beyond), we forecast your income, expenses, and savings to show you exactly how much you need to achieve your goals. Whether you’re thinking about retiring early or want to plan for healthcare costs, our scenario planning tools help you visualise every “what-if” scenario. This means no more sleepless nights wondering if you’re doing enough
Cashflow Modelling for Business Owners
We create integrated models that align your business cashflows with your personal finances. This way, you can plan how much income to sustainably draw from your business, whether you’re years away from retirement or preparing to exit. Our models show you exactly how different exit strategies—like selling the business or passing it on—will impact your personal financial situation, so you can move forward with confidence.
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3 Reasons Why Cashflow Modelling is Essential
One of the biggest challenges clients face is uncertainty about future income. Many aren’t sure if their savings and investments will be enough to fund their retirement. Others find it difficult to predict how major life decisions—like buying property or helping their children through university—will affect their long-term finances. Business owners, in particular, often struggle to align their personal and business goals, especially when planning for retirement or a business exit.
Having a clear financial forecast isn’t just nice to have—it’s a game-changer. Here’s why cashflow modelling matters:
1. Clarity and Confidence
Get a clear view of your financial future, so you know where you stand and what adjustments you need to make to stay on track.
2. Make Informed Decisions
With accurate projections of your future income and expenses, you can make smarter decisions today—whether it’s choosing to invest more, save less, or take that holiday you’ve been putting off.
3. Flexibility to Adapt
Life changes, and so does your financial plan. Cashflow modelling lets you run different scenarios and adapt your plan as your circumstances evolve.
How Cashflow Modelling Fits into Your Full Financial Plan
At Lucent, cashflow modelling isn’t just a stand-alone service—it’s a crucial part of your overall financial strategy. It helps us ensure that your future income and expenses are aligned with your goals, giving you the confidence that your wealth will last.
Our comprehensive approach includes:
Retirement Planning & Pensions
We align your retirement savings and pension contributions with your cashflow projections, so you can maintain your lifestyle long after you stop working.
Tax Planning
Tax efficiency is key, and we factor this into every model, ensuring that your future income is structured in the smartest way possible.
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Investment Management
Cashflow modelling helps us design an investment strategy that provides the right balance of growth and income to support your long-term needs.
Ready to see your financial future?
Contact Lucent today to help you see exactly where your wealth is headed, so you can make confident, informed financial decisions.
- Do you want to understand your financial situation and future projections in detail?
- Are you interested in visualising how your assets and income will support your goals over time?
- Do you need help planning for future expenses and managing your cash flow effectively?
- Would you like a comprehensive cashflow model that aligns with your financial objectives?
If you answer yes to the above, get in touch.
FAQs
Cashflow modelling is a tool that forecasts your future income, expenses, savings, and investments, helping you visualise your financial future and make better-informed decisions.
Cashflow modelling is fully integrated into your financial plan, providing a clear roadmap that aligns every financial decision with your long-term goals.
We recommend updating your cashflow model regularly—especially after major life events like a new job, property purchase, or retirement. Our advisors will work with you to keep your plan up-to-date and on track.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.