Tax clarity & client confidence - harness the hidden power of gross cashflow modelling
Offering your clients the full picture means making smarter decisions, together. Discover how Gross Cashflow Modelling in FE CashCalc brings clarity, tax transparency, and deeper client trust to every financial plan.
When it comes to financial planning, do numbers alone tell the full story? After all, behind every spreadsheet is a person making life-changing decisions: when to retire, how to support their family, where to invest their savings. Increasingly, these clients aren’t just looking for generic projections. They want clarity and reassurance.
That’s where Gross Cashflow Modelling enters the picture.
At its core, Gross Cashflow is about accuracy. The tool forecasts future income and expenditure with a level of tax sensitivity that reflects real-life scenarios. But more than that, it empowers advisers and paraplanners to deliver advice that is both technically robust and emotionally resonant.
Beyond the ‘best guess’ forecast
Too often, traditional planning tools operate in abstraction. They may show a healthy trajectory on paper but fail to account for the nuances of tax on dividends, CGT on GIA withdrawals or the implications of pension salary sacrifice. These gaps may not seem significant at the modelling stage, but they quickly become visible and costly in reality.
Gross Cashflow Modelling addresses that head-on. Now integrated directly into FE CashCalc, it enables advisers to test ‘what if’ scenarios and build visually engaging, tax-aware lifetime cashflow forecasts. It’s a shift from estimating to evidencing. From static plans to dynamic insights.
And the difference is tangible:
- Tax calculations on savings and dividends
- Support for pension salary sacrifice
- Capital gains forecasting on general investment accounts
In short, you’re no longer leaving critical assumptions to chance.
Tax transparency builds trust
Financial advice is built on trust. And few things erode that trust faster than surprises, especially when they come in the form of unexpected tax bills.
With Gross Cashflow Modelling, advisers can surface future liabilities with clarity, early in the planning journey. By demonstrating foresight and care, you’re showing your clients that you’re not just managing their wealth, you’re actively protecting it.
This level of transparency also invites collaboration. Whether you’re showing the impact of an ISA transfer or modelling retirement withdrawals under different tax rules, the visual interface helps clients engage with their finances in a more meaningful way. It’s a shared understanding, not a one-dimensional report.
Efficiency meets empowerment
While the standout benefit may be the depth of insight, Gross Cashflow, as part of FE CashCalc, also offers serious time savings. With CashCalc, you’re getting the benefits of a totally secure client portal and digital onboarding workflows.
Wealth managers report:
- Saving 2 hours per client on onboarding
- Achieving £35k in annual efficiency gains
- Benefiting from real-time updates and visual clarity in their forecasts
A foundation for better decisions
Ultimately, great financial planning doesn’t happen in the abstract. It happens when clients can see, understand and trust the path they’re on.
Gross Cashflow provides a foundation for better conversations and better decisions by showing how tax, timing and strategy converge in the real world.
With FE CashCalc’s Gross Cashflow capabilities continuing to expand throughout 2025, including support for inherited pensions and bond withdrawal tax calculations, advisers have more tools than ever to deliver precise, personalised and powerful planning.
Because when clients can see the full picture, they’re more confident in the journey ahead.
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