Free Cash Flow Planning Software for UK advisers

Comprehensive income planning, which considers income from various sources, essential as well as discretionary income, and UK specific income tax requirements and national insurance payments? No problem with aixigo's Cash Flow Planner. It enables you to include all these factors into your cash flow planning - the ideal basis for stress testing!

Needless to say, the Cash Flow Planner includes functionalities for retirement planning. Besides several other functionalities for retirement planning, it contains simulation capabilities for estimating pension values and expected payouts, and allows for differentiated consideration of defined contribution (DC) and defined benefit (DB) pension schemes. Special individuality is provided by flexible setting options, e.g. pension growth rates and inflation caps can be defined individually.

Whether investments, cash accounts or property, the Cash Flow Planner of course enables the simulation of regular savings or withdrawals, required or surplus liquidity as well as yields and capital gains taxes. Thereby, it supports all standard investment wrappers (ISAs, unit trusts, profit bonds, etc.) and different tax rates. The values are adjusted annually based on the position-specific growth rate, inflation and an annual investment fee.

To ensure a holistic view of the client's net asset value, the planner allows considering loans and liabilities.

Solid cash flow planning must also extend beyond the death of the client. Therefore, insurance against financial insolvency in case of an unexpected death can be included in the planning.

Sound cash flow planning is not always about the client himself, but also about his dependents. Therefore, it is equally important to consider estate and inheritance tax planning. Based on the final position values (investments, cash accounts, real estate, loans, liabilities, etc.), the planner simulates protection plans, insurance tax charges and estate estimates both for death within and at the end of the simulation period.

Test the resilience of your financial plans against multiple scenarios with the Planner's extensive stress testing options. It covers a multitude of scenarios, from pension transfers and income drops to market crashes or individual scenarios (purchasing a yacht, education, etc.).

First and foremost, a software solution should ensure regulatory compliance, enabling the adviser to fully focus on providing quality advice. Our solution offers extensive options for simulating cash flows as part of the advisory process, taking into account all requirements of the FCA. All values are inflation-adjusted and calculated in real terms, whereby inflation and growth rates can be varied to allow for both realistic and conservative estimates. At the end of the advisory process, relevant assumptions and data can be easily exported.