.png)
Planning
A financial plan built around your life, powered by clear, evidence‑based cashflow modelling.
Good planning isn’t about guessing the future or choosing the “right” product. It’s about understanding how your money moves through your life — today, tomorrow, and decades from now — and making decisions with confidence.
That’s why our planning process is built around cashflow modelling. It turns complexity into clarity, showing you how your financial life works across borders, across time, and across different scenarios.
Why cashflow modelling matters
Cashflow modelling gives you a visual, dynamic picture of your financial future. It answers the questions that keep people awake at night:
-
Will we have enough?
-
When can I afford to stop working?
-
What happens if we move back to the UK or Australia?
-
Can we fund school fees and still retire comfortably?
-
What if markets fall? What if we change careers?
Instead of vague guesses, you get clear, evidence‑based projections that show how your decisions today shape your future.
It’s planning you can actually see — and trust.
This is an example of cash flow modelling, which shows a client’s retirement income - comprised of pensions and current accounts/other savings. At current rates of inflation - plus spending in retirement - you can see how the combined pot reduces to zero at around 76 years of age.
However, with regular savings and the benefits of compounding over time, you can see how the outlook improves for this client.This is a fictional scenario and your case may differ.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
What your plan includes
01
A complete picture of your financial position
We organise your pensions, savings, investments, insurance, and employer benefits across jurisdictions. Cashflow modelling then brings these pieces together into a single, coherent view.
You’ll finally understand how everything fits, and what it means for your long‑term security.
02
A personalised cashflow model built around your life
This is the heart of your plan.
We map:
-
income
-
spending
-
savings
-
pensions
-
investments
-
tax considerations
-
future goals
-
major life events
The result is a clear, visual roadmap showing how your financial life evolves, and where the pressure points or opportunities lie.
03
Scenario planning that gives you confidence
Life doesn’t follow a straight line, so your plan shouldn’t either.
We test scenarios — from repatriation to career changes, property, education costs, market downturns and more — so you can see the impact of each decision before you make it.