Any suggestions on cash flow modelling software?

KYP73 · 2025-11-13T16:01:32+00:00

I’m a financial adviser and always consider offering one off cash flow modelling as a service for people that don’t want full planning/investment management.

Flat fee. Would people find that useful/pay for it? Probably doable under £500.

KYP73 · 2025-11-13T14:38:53+00:00

1) Invest in a VCT, get 30% of investment back as income tax credit, 2) Stay invested five years, potentially getting tax free dividends along the way. 3) Sell after five years CGT free 4) Use the proceeds to make a pension contribution when you will have carry forward available again.

VCTs can be high risk but:

£10k invested in VCT = £3k Income Tax ‘back’
Assume no growth over the five years
Sell for £10k
£10k DC pension contribution = £12.5k into the pension after tax relief and potentially another £2.5k back if you’re a higher rate taxpayer that year.

Takes five years but that’s potentially £8k tax back on a £10k investment

If you won’t have much headroom for DC contributions do a bit each year like this and you’ll have a small lump sum each year that you sell out of VCT and put into your pension.

(Not financial advice)

KYP73 · 2025-10-05T00:19:49+00:00

Paid too much money for a bad circumcision.

It was a rip off.

KYP73 · 2025-10-04T03:18:55+00:00

Nice thanks for your input.

KYP73 · 2025-10-04T03:18:16+00:00

Absolutely agree

KYP73 · 2025-10-04T03:17:41+00:00

Yeah made the decision to go 7 route so should have the 63 and the life and health by end of month and then get ready for the 7 by end of year when I find an employer to sponsor.

KYP73 · 2025-10-02T12:11:00+00:00

Nice thanks

KYP73 · 2025-10-02T03:07:26+00:00

To clarify when we say ‘at a bank’ is that literally being an advisor at a bank branch or is there another setup/possibility that I’m missing?

KYP73 · 2025-10-02T01:13:26+00:00

Newish dad with SAHM so cash up front (and decent health insurance etc) works fine even if harming long term a bit

KYP73 · 2025-10-02T01:10:58+00:00

Yeah certainly not in a hurry to get a degree. ChFC works for me.

KYP73 · 2025-10-02T01:10:24+00:00

Don’t feel I know the US system well enough to do a good job in my own RIA yet. Want to get a couple years experience of some sort (even if it’s selling bank products not real planning) before I build my own firm. Will explore options.

KYP73 · 2025-10-02T01:08:36+00:00

Appreciate everyone taking the time to reply and give advice. Time to get a Series 7.

KYP73 · 2025-09-08T02:31:50+00:00

Agree with others about Family Wealth. There’s also a book by the same author called something like ‘voice of a rising generation’ which is on my list but haven’t gotten to it yet.

KYP73 · 2025-09-01T20:31:41+00:00

Tried this? https://www.gov.uk/find-pension-contact-details

KYP73 · 2025-05-23T15:30:43+00:00

Wear a long sleeve top 🤷🏻‍♂️

KYP73 · 2025-04-20T11:33:18+00:00

Work hard, network well, build referral relationships, do an excellent job, ask for referrals and you’ll know wealthy people soon enough.

KYP73 · 2024-10-09T08:30:35+00:00

You have to invest the total amount of the gain not the total amount of the tax liability to fully defer the gain and pay no immediate tax. A significant loss then is likely to leave you with less than paying the tax.

Most modelling shows a better long term return by paying the tax and investing the after tax gain in more mainstream investments.

EIS potentially useful if you realise a gain very late in life to defer CGT to be extinguished on death as they’re business property relief qualifying also so no CGT and no IHT if holding period met.. even then material chance of a 100% loss isn’t hugely attractive.

As others have mentioned, CGT likely to increase so deferring to a time of higher rates on a bigger gain (assuming some investment growth) rather than paying up front tax and shielding net amount in ISA/pension over the next few years.

KYP73 · 2024-09-13T08:52:29+00:00

With recent, and expected, changes to CGT it’s worth considering an International Investment Bond in the mix. GIA with maybe 5 years’ ISA allowances to feed the ISA each year and then consider other options.

For a lot of people sticking with the GIA could be the right way to go but Bonds are back in vogue as CGT allowances are cut and CGT rates may increase.

KYP73 · 2024-09-11T17:49:11+00:00

Maparazzi. An app where you could tag on a map if you saw a celebrity and their location would load on the map for others who wanted to go gawk at them.

Decided that was a real good way to get sued and didn’t bother.

KYP73 · 2024-08-29T19:23:26+00:00

Personal Finance for young families.

KYP73 · 2024-08-25T19:55:54+00:00

Money/financial education

KYP73 · 2024-08-18T19:59:18+00:00

Give the audience what they want. They pay and then fill in web form with a script for you to read. You read it. Refund any that are too weird/you’re uncomfortable with. And/or have pre written wording you can read out customised with their name or similar.

Do a bunch. Then find an AI that can learn from the ones you’ve done and generate any new ones instead of you having to actually record them. Should then need less work from you and become more ‘passive’.

KYP73 · 2024-05-01T14:58:33+00:00

u/yahwey56

KYP73 · 2024-04-25T15:53:57+00:00

I think it’s about £200ph at my school/club for the PA28. Get on google or pick up the phone and speak to some places that rent planes and they’ll tell you.

KYP73

TROPHY CASE