With the help of our suite of cashflow planning tools, we produce precise and straightforward reports to represent your finances and to keep you involved in the financial planning process.
What is Cashflow Planning
In this video we have explained what is cashflow planning:-
A lifetime cash flow plan should enable you to:
Produce a clear and detailed summary of your financial arrangements
Define your family’s version of the ‘good life’ and begin working towards it
Work towards achieving and maintaining financial independence
Ensure adequate provision is made for the financial consequences of death or disablement
Plan to minimise your tax liabilities
Produce an analysis of your personal expenditure, balancing your cash inflows and desired cash outflows
Estimate future cash flow on realistic assumptions
Develop an investment strategy for your capital and surplus income in accordance with risk/reward, flexibility and accessibility with which you are comfortable
Become aware of the tax issues that are likely to arise on death
Cash flow planning is vital if financial objectives are to be achieved. It is also important to be specific; for example, it is not enough just to say “I want to have enough to retire comfortably”, you need to think realistically about how much you will need.
The more specific you are, the easier it will be to come up with a plan to achieve your personal aspirations.
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My adviser spent a great deal of time asking us questions to ensure he fully understood out financial situation and our expectations for the years ahead. He used that information to devise a suitable plan for our investments.
Steve, Medical Illustrator
AWMS made it all seem so easy and provide an excellent service. I cannot recommend them highly enough.
D McLaughlin, Glasgow
AWMS has looked after my investments for a number of years and I have no problems in recommending them to others. They have always been very professional and helpful and they contact me on a regular basis to review my investments. I have also uses them for advice on investments for my grandchildren.
Gavin, Company Owner
I have held various investments via my bank for a long time and had lost track of what I had as they had stopped providing any ongoing advice. AWMS spent a long time writing to companies and finding out where I stood. They put in place a new plan paying me a monthly income and I am delighted to have the weight off my mind.
Mrs. E Beattie, Falkirk
AWMS have proved to be very able and efficient in our dealings with him in regard to savings and investment planning. They also demonstrated a flexibility in dealing with our specific circumstances I.e. Residing on a remote Scottish island where travel and communication can prove problematic. For example, they flew to a neighbouring island for our initial meeting with him.
Mr C Stevenson, Retired
I have been relying on the professional services and expert advice from AWMS for many years. The financial advice and strategies to manage wealth have been outstanding. The advisers are knowledge experts with an in-depth competence about all aspects of investing, pension and wealth planning.
Dr M Marck, Retired
The AWMS adviser has been our IFA for over 15 years and he has always provided sound financial advice and guidance with our investments in all that time. The service has been excellent, whether through regular investment reviews which provide you with detailed levels of information about each of your investments, or just the fundamental requirement for general financial advice.
John & Edith, Retired
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