Cashflow modelling sits at the heart of good financial advice. It helps you test plans, explain outcomes and give clients confidence about their future.
Over the last few months, we have made major improvements to Timeline’s cashflow modelling tool. The aim is simple. To give you a financial planning tool you can rely on as a standalone solution, while also benefiting from being fully connected to the wider Timeline ecosystem.
This is about making cashflow modelling more realistic, more flexible and easier to use in day-to-day advice.
Planning Built on Reality, Not Assumptions
When you build a plan in Timeline, you are not relying on smooth averages or simplified assumptions.
Instead, advisers can stress test strategies against conditions clients may recognise and question, for example, World Wars, the pandemic and the oil crisis, using market history spanning the last century.
You stress test your client’s future using long-term historical market data. Real periods of inflation, market falls, and recoveries are incorporated into the plan, so outcomes reflect what has actually occurred in the past.
This gives you confidence that projections are grounded in evidence rather than theory. It also supports more effective conversations with clients, particularly when discussing risk, uncertainty and long-term resilience.
Designed Around Real Client Situations
Client finances rarely fit into neat boxes. Income changes, spending shifts and plans evolve over time.
Timeline’s cashflow modelling is built to reflect that reality, allowing you to plan for a range of real-world scenarios and changing priorities, including different retirement ages, clients who are already retired, and how income, borrowing, and pension decisions may affect outcomes over time, while also modelling how cashflow and savings needs can vary across different periods so you can test options, compare approaches, and adjust the plan as circumstances change.
Because tax is central to good advice, you can also see the tax impact of different strategies across pensions, ISAs, GIAs and more complex tax wrappers such as VCTs and business relief schemes.
All of this means you can model the vast majority of client circumstances accurately in Timeline - without needing additional tools.
Clear Outputs That Support Better Conversations
A good plan is not just accurate. It also needs to be understandable.
Timeline produces outputs that are clear, structured and easy to follow. You can see what is happening year by year without relying on complex charts or technical language. This makes it easier to explain outcomes, compare strategies and keep clients engaged.
It also helps ensure your advice is consistent, client-ready and suitable for compliance.
Helping You Focus on Advice, Not Admin
You can use the financial plan on its own, but it becomes even more effective when it works alongside the rest of the Timeline ecosystem.
FactFind, risk profiling and financial planning connect seamlessly, reducing duplication and saving you time. AI-assisted summaries and follow-up questions help reduce admin and support more focused advice conversations.
The result is a smoother process for you and a clearer experience for your clients.
A Planning Tool You Can Rely On
Timeline’s cashflow modelling is designed to support confident, evidence-based advice.
It reflects real market history.
It adapts to real client lives.
And it gives you the clarity you need to explain decisions and add value.
The best bit? You can try Timeline Planning for just £1. Start your trial now.
Want to learn more about our Ecosystem, including our low-cost, evidence-based Model Portfolios, Multi-Asset Fund Range and/or Platform? Get in touch with your regional contact.
This article is produced by us for Financial Advisers who may choose to share it with their clients. Timeline
Planning and Timeline Portfolios do not offer direct-to-consumer products.
