Planning for your financial future can feel overwhelming, but with expert guidance, you can gain clarity and confidence in your decisions. At Kilsaran Financial Planning, we offer cash flow planning, retirement modelling, and goals-based planning to help you take control of your financial future.

Whether you want to understand when you can retire, how much you need to live comfortably, or ensure your wealth lasts, our tailored approach will provide you with a clear, visual roadmap of your finances.

Key Questions Cash Flow Planning Can Answer

Cash flow planning allows you to map out your finances over time, ensuring you’re prepared for every stage of life. It can help answer important questions such as:

✔ When can I afford to retire?
✔ How much can I comfortably spend without running out of money?
✔ How will my investment choices impact my long-term wealth?
✔ Can I pay off my mortgage or other debts sooner?
✔ What happens if I change careers, reduce my working hours, or take a career break?
✔ At what point will I achieve financial independence?
✔ How could economic factors like inflation and tax changes impact my future?

Retirement Modelling

Retirement should be a time of financial security and freedom. Our retirement modelling service helps you forecast different scenarios, ensuring you have enough wealth to maintain your desired lifestyle. We consider factors such as inflation, market returns, tax efficiency, and longevity risk to provide a detailed, realistic projection of your financial future.

Goals-Based Planning

Your financial plan should be built around your goals, whether that’s early retirement, funding education costs, purchasing a motorhome, holiday home, leaving a legacy or planning that trip of a lifetime. We align your wealth strategy with your ambitions, helping you make informed decisions that keep you on track.

Take the Next Step

Understanding your financial future starts with a conversation. If you’d like to explore how cash flow planning can help you, we’d love to chat. Let’s build a plan that gives you clarity, confidence, and control over your future.

The value of an investment with St. James's Place will be directly linked to the performance of the funds select and the value can therefore go down as well as up.  You may get back less than you invested.