Holistic Planning

Financial planning is the process of managing your finances effectively to meet your long term goals.

Good planning will help you look at the big picture and help answer the important questions which can assist with making informed decisions and contribute to living the lifestyle you want.

Planning holistically can also help you stay focused on your long term goals which will often change over time due to varying circumstances.

Holistic Financial planning is about asking and answering the big questions such as:

  • How much do I need to save to ensure I don’t run out of money during my retirement?
  • Do you feel confident that your financial goals are on track?
  • What level of investment return do I need to achieve my objectives?
  • What do I need to do to ensure my family are financially secure?
  • How much can you afford to spend or give away?
  • How much is enough?


At JM Wealth

We think an important aspect of holistic financial planning involves cash flow forecasting.

Cashflow forecasting is a tool which enables us to gather a comprehensive picture of our client’s financial circumstances. By combining all aspects of a client’s personal finances including taxation, inflation, charges and returns, cash flow forecasting gives the client a single view of the ability to achieve defined goals or understand the impact of different scenarios.

Cashflow models can highlight where there are sufficient savings being made, and where surplus funds could be redirected towards lesser priorities including forward planning on inheritance tax.

We can implement and analyse these cash flows, create an investment strategy, maximise tax advantages and ensure your family is protected using a tailored and totally personal financial plan. We will then monitor and review your plans at regular intervals over time, to help give you the best chance to ensure your financial goals are achieved.

Get Planning Today

To get started, contact JM Wealth and get planning your financial future.

Call us on 01639 203203 for a free initial consultation.