At Future Wealth Management, we believe proper lifetime financial planning isn’t just about looking at where you are today—it’s about mapping out where you want to be in the future. To do this, we use Voyant, a powerful financial forecasting tool that helps bring your plans to life.

With Voyant, we can explore multiple "what if" scenarios, tailored specifically to your financial situation, goals, and ambitions. Whether you're planning for retirement, considering a career change, or thinking about supporting loved ones, we can create a plan that not only reflects your current needs but also adapts as life evolves.

Voyant is at the heart of how we help clients gain clarity and confidence in their financial future. Mastering it takes time—financial professionals spend years perfecting their skills. That’s why our team undergoes in-depth training to ensure they can use it effectively with our clients. In fact, some of our financial planners even train other advisers on how to get the most out of it.

By combining cutting-edge technology with expert guidance, we make financial planning a smoother, more personal experience—giving you the reassurance that your future is in safe hands.

Life is unpredictable and constantly evolving. That’s why Voyant is designed to be completely collaborative and adaptable.

The software calculates anything that involves time, money, or planning. The more detailed your inputs, the more strategic and realistic the financial plan becomes.

We begin by entering your financial data, including:

• Employment income
• Business income
• Rental income
• Trust income
• Investment income
• Interest
• Pension income

Next, we consider your current and future expenditure, such as:

• Household fixed expenses
• Household discretionary spending
• Family costs
• Personal expenses
• Holidays
• Luxury purchases
• Leisure activities

We then factor in your assets, including:

• Your home
• Investment properties
• Business assets
• Investments
• Savings
• Trust assets
• Personal possessions

And finally, we account for your liabilities:

• Loans
• Credit cards
• Mortgages
• Other Debts

To ensure the forecast is meaningful, we apply key assumptions to the data entered. This is where our expertise comes in. The three most important assumptions in long-term financial forecasting are:

1. Inflation (applied to all financial elements)
2. Investment returns
3. Cash savings returns

Once all data and assumptions are in place, we can analyse the outputs and determine how close you are to achieving your financial goals.

Questions That Lifetime Cashflow Software Can Answer

• Am I saving enough for retirement?
• Can I afford to quit my job now?
• Can I retire early?
• Can I work part-time for five years before retiring?
• Can I give my daughter £30k for a house deposit without impacting my future finances?
• What investment return do I need to ensure I never run out of money?
• If we both died tomorrow, how much inheritance tax would be owed, and what can we do about it?
• How much more do I need to save to reach my target?
• How much more can I spend while ensuring I don’t run out of money?
• If I were to have a serious accident, how would it affect my financial plan and my family?
• Do I need more life insurance?
• How much do I need to sell my business for to achieve financial independence?
• What’s the minimum income I need to cover my essential living costs?

Building your financial plan is just the first step—the true value lies in proactively maintaining and updating it as your life evolves.

Voyant allows you to track your financial progress, showing how far you've come and where you're heading. But it also enables us to model alternative scenarios in minutes—whereas traditional methods would take days.

With Voyant, we can create a carbon copy of your original plan to compare different strategies and determine the best course of action.

Money can be an emotionally complex subject. By using Voyant, it can help you achieve the peace of mind needed to feel confident about your financial future.