Your lifelong cash flow forecast provides a clear, year-by-year projection of how your wealth is expected to fluctuate throughout retirement. It takes into account your income sources, expenditure patterns, and potential life events, helping you visualise how long your resources will last and whether they are sufficient to sustain your desired lifestyle.
At Cilbenrick, we use this forecast as a foundation to advise you on the most suitable and tax-efficient retirement funding strategies. This may include drawing from pensions, managing investment portfolios, generating income from property, or using other assets in a structured and sustainable way. Our goal is to help you make informed decisions about when and how to access your wealth, ensuring that your retirement is both financially secure and aligned with your personal goals.
Through ongoing planning and regular reviews, we help you adapt to changing circumstances—whether that’s evolving market conditions, legislative changes, or shifts in your personal needs—so that your retirement plan remains robust, flexible, and effective over time.
FAQ's
What our client’s say
"We've always found Cilbenrick to be thoroughly professional; attentive, pro-active, responsive to our requests and very friendly and personable. They give us excellent feedback on our portfolio which includes a good overview with detailed analysis behind it to support their recommendations. They are creative and are always willing to research the best ways to make investments work for their clients. They are people-orientated; are very knowledgeable, honest, reliable and diligent and we would have no hesitation in recommending Cilbenrick to prospective new clients"
Mark & Fiona Wilson - Human Resources Manager
"The key strengths I find in using the services of Cilbenrick are the reassurance that specialists are monitoring the performance of our investments and providing regular updates and advice to enable us to maximise returns. I also like having our investments under one umbrella to simplify the administration of our financial affairs"
SANDRA EVANS - ACCOUNTANT
"This is how financial planning should be! A full investigation of your current position. Time spent analysing where you want to be in future. Then a sophisticated software package and advice to help you decide how you are going to get there. First class"
Austin & Judith Roberts - Optician
"The level of detail is excellent and, though requiring accurate and in-depth input, it has allowed important decision making to take place. Without this process we would still be wondering whether these things were possible and what effect this would have in later life. Now we know"
Andrew & Hilary Quinlan - Management Consultant
"We have found the level of service provided by Cilbenrick very thorough and detailed, proving very informative and helpful, thus enabling us to make decisions about our future and our children's"
Martin & Hilary Salmon - Farmer
"I have regular reviews of the performance of my portfolio and total transparency of movements within the wrapper. Moving the mix of investments between the best performing funds has provided above-average returns. I am very pleased with the professional advice Cilbenrick has provided over the years and would not hesitate to recommend their services"
Andreas Klimczak - Management Consultant
"Since appointing Cilbenrick as my financial advisers, they have significantly improved the returns of my pension and investment portfolio. Their advice has given me greater confidence, understanding and re-assurance"