Page 9 - Phonebox Magazine June 2024

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What do our clients say?
“ After an in-depth discussion to fully understand my position and plans for the future, Stefanie has provided cash-flow forecasting which has made things really clear.
I was spending a lot of time weighing up my options; if I get some cash, what’s the best thing to do with it? Pay down the mortgage? Pay into a pension? And when is the best time to do it? What are the tax implications?
There are a lot of things to consider, and everyone’s position is different, so the forecasting can model these scenarios. The graphic illustrations are really helpful to show a timeline. Do you want to go part-time at work? Do you want to sell a rental house? It can all be included and will enable you to make decisions based on sound financial plans. I thoroughly recommend the service and it’s given me peace of mind. “
www.stefaniepricewealth.co.uk
Securing Your Financial Future: The Power of Cash Flow Forecast Modelling & Life Planning
In today’s fast-paced world, planning ahead has never been more critical. As financial advisers, we witness firsthand the transformative impact that cash flow forecast modelling and life planning has for our clients’ lives. In this article, we’ll explore the invaluable benefits of these tools and how they can pave the way to financial security and peace of mind.
Understanding Cash Flow Forecast Modelling:
Picture this: you’re embarking on a road trip without a map. Sounds fairly daunting doesn’t it! Managing your finances without a cash flow forecast is akin to navigating blindly. Cash flow forecast modelling allows us to chart a clear path by predicting your future financial inflows and outflows. By examining your income, expenses, investments, and debt obligations, we can anticipate potential roadblocks and identify opportunities for optimisation.
The Power of Visualisation:
A picture is worth a thousand words, and when it comes to finances, visualisation is key. The intuitive software we use transforms complex financial data into easy to understand visuals, empowering you to make informed decisions with confidence. Whether it’s plotting your retirement savings trajectory or visualising the impact of major life events, these tools bring clarity to your financial landscape.
Building a Life Plan:
Life is unpredictable, but with a solid life plan in place, you can navigate uncertainty with grace. Beyond numbers and spreadsheets, life planning encompasses your goals, aspirations, and values. Together, we’ll craft a personalised roadmap that aligns your financial objectives with the life you envisage. From buying a home to funding your child’s education, every milestone is accounted for in your comprehensive life plan.
Embracing Tax Efficiency:
Taxes are a reality of life, but with strategic planning, you can minimise their impact on your finances. The
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software we use is not only intuitive but also tax smart, ensuring that every financial decision is optimised for tax efficiency. Whether helping you in understanding what allowances can be used, leveraging tax-deferred or tax-free accounts, or implementing strategic investment strategies, all these approaches will add value.
The Value of Peace of Mind:
At the end of the day, financial security is about more than just numbers, it’s about peace of mind. By proactively managing your cash flow and aligning your finances with your life goals, you can enjoy the freedom to live life on your own terms. Whether it’s pursuing your passions, travelling the world, or simply spending quality time with loved ones, financial security lays the foundation for a fulfilling life.
In a world filled with uncertainties, planning for the future is the greatest gift you can give yourself and your family. Cash flow forecast modelling and life planning are not just tools, they’re catalysts for a brighter, more secure tomorrow.
At Stefanie Price Wealth Planning we encourage all our clients to take full advantage of our life planning solution and have been blown away with how much everyone seems to get from this simple exercise. Please do get in touch if you’d like to understand more about how this can work for you.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and can therefore go down as well as up. You may get back less than you invested.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is dependent on individual circumstances.
Glenn R
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01234 241 441 info.spwealth@sjpp.co.uk www.stefaniepricewealth.co.uk
Stefanie Price Wealth Planning 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) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The title ‘Partner Practice’ is a marketing term used to describe St. James’s Place representatives.
June 2024 | Phonebox Magazine 9