The foundation of your financial plan is your lifelong cash flow forecast—a detailed projection that maps out how your income, expenses, savings, and investments are expected to evolve throughout your life. This comprehensive forecast helps you understand not only how your wealth may grow or decline over time, but also whether it will support your long-term goals, such as retirement, education funding, or major life events.
To ensure your financial strategy is resilient, we use sophisticated computer modelling to simulate a variety of potential “what-if” scenarios. These include unexpected events such as serious illness, premature death, redundancy, or an earlier-than-planned retirement. Each of these scenarios can significantly affect your income or increase your expenditure, potentially jeopardizing your ability to maintain your current or desired lifestyle.
By incorporating these stress tests into your cash flow forecast, we can evaluate how your financial position might change under adverse conditions. This allows us to identify any vulnerabilities in your plan and take proactive steps—such as adjusting savings strategies, insurance coverage, or investment allocations—to build in sufficient resilience. Ultimately, this process gives you greater confidence that, even in the face of uncertainty, your financial plan is robust enough to support you and your family throughout your life.
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"