Long term cashflow planning for a reality based future

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Long term cashflow planningfor a reality based
future

• Ruth Sturkey
• Chartered Financial Planner, Director, The Red
  House Consulting

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So, who am I . . .
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Cashflow modelling

• Why?
• Do you know where youre going to, do you like
  the things that life is showing you.

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Gathering data

• What data do you need to collect, what objections
  might the client have and how can you help your
  client in this process?
• It aint what you do its the way that you do it.

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Assumptions

• What assumptions do you need, how do you set them
  and when should they be reviewed?
• Lets face the music and dance

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Scenario planning and expectations management

• Consider useful client scenarios what are they
  and how can they assist in the financial planning
  process?
• Its not where you start its where you finish.

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In summary

• See the future and make choices
• The core of all planning decisions
• The importance of robust assumptions
• The glue that sticks the client to you
• Dont leave it in a drawer to gather dust
• I can see clearly now the rain has gone

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