Outliving one’s assets is among the most significant risks retirees face today. Increasing longevity and sustained growth in health care costs have made disciplined cash flow planning essential. Through a structured analysis of your income and expenditures, we determine whether your resources are positioned to meet your retirement objectives, and where they are not, we establish a comprehensive plan to address the shortfall.
What Is Cash Flow?
Cash flow is the in and out movement of your money. Managing it well means understanding where your income comes from, where it goes, and which choices best fit the life you want to live. It is an active, continuous process rather than a one-time snapshot.
How We Perform a Cash Flow Analysis
We review your cash flow by setting all of your income sources, from earned income and Social Security to pensions, interest, and required distributions, beside your fixed expenses, everyday spending, taxes, and savings. From there we project how much you will have in retirement and calculate whether it will last throughout your life, while factoring in future taxes, inflation, and a realistic rate of return on your portfolio.
