By Paul Dhiman
September 30, 2026
“Do I have enough money to retire?” Is probably one of the most important questions you may ask yourself. The answer, in truth, can look very different from household to household, which begs the question of how we gauge this.
What is Cashflow Modelling?
Just like it says on the tin, we have modelling tools available whereby we can give a fairly accurate insight into what is achievable in retirement with your current arrangements and whether or not this picture is how you envisioned your retirement.
Utilising a cash flow tool, we can factor in;
- Investment growth
- Expected expenditure with inflation
- Existing Retirement provisions with contributions
- State pensions
- Savings growth
- Downsizing/equity release
- Tax implications
- Inheritance Tax
Factoring in all of this information to the cash flow modelling tool, we can confidently gauge if your expenditure during retirement is sustainable and achievable, or if we need to alter contribution levels during your working years or expectations when you do choose to stop working.
Want peace of mind for your retirement plans?
Any of the financial advisers at Gilson Gray Financial Management would be more than happy to have a no-obligation chat to have a look over your arrangements and plans.
Gilson Gray Financial Management is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). Gilson Gray Financial Management is a trading name of Gilson Gray Financial Ltd.
SJP Approved 24/09/2026
