Guide · 2025-07-15
How we prepare a cashflow model for a High Cormier client
A walk-through of the numbers we gather, the assumptions we state openly, and the questions a model is meant to answer — not a crystal ball.
planning cashflow
A Wrenfield cashflow model starts with verified income and spending, not aspirational budgets. We use bank summaries and payslips where possible, then layer pension contributions, mortgage payments and known future costs such as school fees or a planned gift.
Growth assumptions for investments are stated as ranges, not single confident percentages. Inflation for living costs is set separately from investment return so clients can see sensitivity when either moves.
The model answers three questions we hear most often: Can I retire at this age without running out of money under measured assumptions? What happens if I gift this sum next year? How much buffer remains if markets fall in the first five years of retirement?
We do not treat the chart as a promise. Markets, health and legislation change. The value is in comparing scenarios side by side so trade-offs are visible before money moves.
Clients leave with a printed summary of assumptions and a short list of decisions that would most improve the outlook — usually contribution timing, debt repayment order, or the age at which State Pension is claimed.