Cashflow Modelling

One of the keys to a successful future in business and in life

Equilibrium can help with your cashflow modelling, bringing your financial plans to life and enabling you to better understand your financial future.

We use a cashflow modelling system called Voyant, which is an extremely powerful tool in the hands of our highly skilled advisers who work alongside our clients to present financial plans in a clear and visually engaging way.

Find out more about how the team can advise you with your cashflow modelling by getting in touch today. Simply call us on 0808 156 1176 or complete our online enquiry form and a member of the team will be in touch at a time convenient for you. We have offices in both Wilmslow and Chester.

What is Voyant?

Voyant is a cashflow planning system that presents complicated financial planning calculations in a way that is easy to understand and to access. It enables our financial advisers to help you plan your future cashflow by forecasting:

  • Income
  • Expenses
  • Assets
  • Liabilities

It also takes into account a wide range of other variables and helps to determine how to invest assets based on current circumstances, financial goals and attitude to risk.

Voyant's tax planning capabilities can help advisers develop a strategy to minimise tax payments while complying with relevant legislation. The system's award-winning estate and inheritance tax module can show how to maximise the value of estates by reducing taxes and other expenses.

Voyant can create reports in PDF, Excel and Word. It is a highly collaborative system and supports secure sharing of information and even allows you to adjust variables yourself at any time to model outcomes. This is just a small snapshot of what the system can do.

To find out more about Voyant, watch the videos to understand how it can help you pre-retirement and post-retirement.

How it Works

A financial planner's primary role is to create personalised plans, taking account of the client's circumstances, aspirations and concerns. A robust financial plan brings the confidence to make better financial decisions.

Creating this plan is a complex task and takes account of many factors, including:

  • Outgoings
  • Capital replacements
  • Changes in circumstances

It is further complicated by wider uncertainties, such as inflation and investment returns. Voyant creates an interactive plan that accounts for all these factors and it helps make the future tangible by plotting your direction.

The system enables advisers to discuss cashflow projections with clients and change any variables that they choose. For example, what if you want a new car; to travel the world; or help pay for your grandchild's education? What if you are concerned about the cost of long-term care, or if one partner predeceases another?

These variables can be changed easily in Voyant to show the effect on income, expenditure and capital. In this way, the system creates a realistic and personalised plan. Most importantly, Voyant shows that - accounting for all your concerns - your plan will provide enough income throughout your life. It ultimately gives you the confidence to spend as you need, safe in the knowledge that your financial future is secure.


Examples of Voyant in action can include:

  • Safe gift giving - Voyant can allow you to assess the impact that any gift you make is likely to have.
  • Informed retirement choice - Voyant can help you make an informed decision as to whether or not you have sufficient assets to support your standard of living should you wish to retire

If you are hoping to plan your retirement and give gifts to your children, we can stress-test your retirement income portfolio for worst-case scenarios, such as the cost of long-term care or a market downturn, while at the same time utilising liquid reserves.

By creating a cashflow chart we can show the planned makeup of income and withdrawals over a given timescale and demonstrate cashflow by age and thousands of pounds per year, covering factors such as:

  • Savings and investments
  • Planned withdrawals
  • Drawdown pensions
  • Pensions
  • State pensions
  • Employment
  • Other income

Contact Us Today

We have clients from in and around Manchester and Cheshire and elsewhere throughout the North West. Get in touch with the team at Equilibrium today to find out more about how we can assist with your cashflow modelling and to help you get a clear understanding of your financial future. Either call us on 0808 156 1176 or complete our online enquiry form and we will give you a call back to discuss your options in more detail.