Customer Stories

Jonny is 10 years old and is in poor health with reduced life expectancy due to complications when he was born. Jonny received a payment as a result of a medical negligence claim alongside a regular income to cover care and living costs. After the initial purchase of a new adapted property, there is a balance of £1.2 million on deposit for potential investment. Lawyers were appointed as deputy trustees for Jonny and are essentially responsible for all decisions with regards to his financial well-being. By using the i4C cash flow modelling tool the lawyers as deputy could demonstrate they...

Legal Trustees As Deputy For Jonny (Aged 10)

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Roger and his wife are in poor health. Roger has recently undergone the process of transferring his pension out of a defined benefit scheme to safeguard the potential to pass on value to his children on death. He has recently taken early redundancy and been living on cash savings rather than drawing on his pension whilst he assesses what his and his wife’s actual expenditure levels are.  He has estimated this at £25,000 annually which leaves them with a shortfall of circa £10,000 per year over the next 9 years before their state pensions become available. Whilst Roger appreciates that...

Roger Jones

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Thank you for an impressive presentation this morning. Your cashflow modelling software is the best I’ve seen and will be an invaluable tool for clients. Partner - Chambers Band 1 Law Firm

Chambers Band 1 Law Firm

Using i4C cashflow modelling software has totally transformed the service you offer to me as a client. Rather than focusing on the past our meetings are now about visualising and planning for the future. That is far more interesting and valuable. Trevor, Entrepreneur

Entrepreneur

Bob (aged 57) and Jackie (63) are both working on relatively modest incomes.  The gross annual total income is c.£30,000 and expenditure is c.£23,000.  Jackie’s health is not good and she would like to give up work. Their home is valued at £500,000 with no debt. They also have a pension fund worth £250,000 and cash on deposit of £50,000. They are both entitled to full state pensions at age 67. The i4C cashflow planning tool demonstrated that they could afford the extra monthly expense of a lease, even with reduced working hours and using their cash as a buffer...

Financial Planner

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"Used well, it can empower clients, help them make good decisions and, maybe, change lives"

Used well cash flow planning can empower clients, help them make good decisions and, maybe, change lives. I think all advisers dealing with mainstream clients should be using cash flow planning to a greater or lesser extent. Rory Percival Industry Expert www.rorypercival.co.uk

An Ex-Regulator’s Guide to Cash flow Planning’

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"Tom was impressed by the impact of demonstrating the affordability of making pension contributions and the impact of not making them."

Tom was referred to us from a local solicitor. Initially it was for pension planning advice and most specifically on how to structure his income in retirement. Tom owned significant levels of commercial property but few liquid assets. He also owned a share of a trading business which was valued at approximately £4m. Whilst working he had sufficient income from the trading business to cover his expenditure but that would cease on retirement. He has a pension valued at c.£1m to access as required alongside the full state pension. Using i4C Tom was impressed by the impact of demonstrating the...

Tom – Business and commercial property owner

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"The i4C community has been invaluable in helping us to quickly deploy the software, and get up to speed with the full potential of cashflow modelling."

Large London-based IFA

"After selling my business the i4C cashflow model has been great. It’s the first time I’ve been able to see things clearly and how my future plans fit together."

Serge, Business Owner