Cash flow Planning

In the wealth and financial planning process, where can you add value powerfully for a client? How can you fill them with confidence in the plan you have together created? Under the Consumer Duty outcomes, support their understanding? The answer: cash flow planning.

Cash flow planning is more than numbers. It brings a client’s financial plan to life. In one, vivid visual, a client can engagingly picture: are they on track to achieve their objectives? What kind of lifestyle can they look forward to when they retire? Will there, one day, be money left to pass on to loved ones?

Encourage great conversations

Dynamic Planner cash flow enables your firm to add value for every client, answering the big questions in wealth and financial planning, and inviting them to take a seat and explore with you their options.

Together, you can have a conversation, ‘What if you retired five years earlier? And withdrew a lump sum when you do?’ In Dynamic Planner, user-friendly functionality enables you to model answers in moments. An independent review by ‘The Paraplanners’ concluded that Dynamic Planner cash flow was the easiest available on the market to use, allowing you to share your screen with confidence with a client.

Cash Flow Planning Tool


  • Accurately align a client’s cash flow plan to their risk profile
  • Model what will happen in average, below average and above average markets
  • Powerfully engage with your clients and discuss their big life questions
  • Invite a client to enter their own income, expenditure and goals
  • Personalise a client’s plans by marking out goals and milestones

Invite a client to engage digitally

Invite a client to engage with the process remotely. A more professional, engaging and valuable experience for your client. More efficient and valuable for your firm. Eliminate the headache of chasing a client by email for their information before having to manually input it. Enable them to efficiently enter their incomes, expenditures, arrangements and financial planning goals themselves. Screens your client lands on could not be easier to use. And they can be tailored to powerfully echo your firm’s brand and your voice.

Cash flow is fully integrated with other processes, like a client review, in Dynamic Planner, so a client’s latest information and sourced valuations, already stored in the system, automatically pull through. The time-savings are significant.

Consistently good client outcomes

In recent years, as wealth and financial planning technology has become widely adopted, it has also come under increasing scrutiny. Indeed, the FCA has warned of ‘miscalibration’, when different pieces of technology you may have adopted fail to align. Dynamic Planner eliminates this by using a single definition of risk across all processes – from risk profiling a client; to risk profiling portfolios and investment solutions; to cash flow planning. Powerfully ensuring the suitability of solutions and consistently delivering good outcomes for your clients.

Investments do not grow at a single rate of return, so why should your client’s cash flow plan? Dynamic Planner uses a Monte Carlo forecaster, calibrated by its institutional-quality Asset Risk Model, to stochastically project how a client’s portfolio, aligned with their risk profile, is likely to behave in average markets, in above average markets and, robustly testing their capacity for risk, in below average markets.

Further, Dynamic Planner forecasts real returns, net of inflation, so it is robustly valid when considering inflation, the future impact and risk of which is built in, in the Monte Carlo forecaster.

Its ease of use is very good. I love the fact it really makes you hone in on the client fact find and what is a business plan for their household finances.
Kevin Walsh
Home & Finance
The way you can quickly forecast different levels of expenditure for the client really helps with your conversations, because, often, clients haven’t nailed what their ambitions really are for retirement. If you were using another tool, you would have to start again, which is all extra effort.
Gordon Crothers
Attain Wealth Management
Dynamic Planner’s Cash Flow is so easy to navigate. Clients are engaging with it well. I almost can’t wait to sit down with them properly, so they can grab my laptop and say, ‘What happens if I retire here? Or here?’ To have that engagement with a client is so important. I see that as the real plus point with Dynamic Planner.”
Dominic Quibell
Lifetime Wealth

Where next?

Client Profiling

Client Review