Cash flow modelling, built for advice
Model client outcomes with confidence.
Most cash flow tools forecast. Yours has to advise.
Standalone cash flow tools are easy to demo and hard to live with. They forecast cleanly, then sit on the side of an advice process that's running on different assumptions, different data, and a different cadence. The result is a chart in a meeting that nobody fully trusts and nobody quite revisits.
What clients actually want is the boring version: an answer to "will I be okay?" that holds up when life moves the goalposts. Multiple income streams, mixed assets, retirement that starts in stages, kids that need a deposit before the pension kicks in. The model has to reflect that, not pretend it doesn't exist.
And what advisers want is a tool that doesn't add a step. Modelling that runs as part of the advice — same data, same assumptions, same outputs flowing into suitability — not a separate workflow with its own export-import dance.
IN BRIEF
A standalone cash flow tool gives you a chart nobody fully trusts. Modelling that runs inside the advice gives you an answer the firm can stand behind.
Want to see how integrated modelling actually feels?
Five-minute conversation, no slide deck.
How it works
Modelling that connects to the advice process
Focus's cash flow tool reflects the complexity of real client lives, multiple income streams, mixed assets, life events, and changing goals. That keeps projections relevant and actionable, not just neat-looking.
With the Focus cash flow tool, you can:
- Model multiple financial scenarios from real client data
- Account for changing circumstances, goals and life events
- Show clients clear, visual projections of their financial future
- Flow modelling outputs straight into recommendations and suitability — no rekey
Cash flow modelling shouldn't sit in isolation. It's part of the same engine that produces the advice — same data, same assumptions, same audit trail.
Advice through detailed modelling
Test assumptions before they become recommendations.
Plans against scenarios
Economic shifts, life events, regulatory change.
In how advice is delivered
Same maths, same process, every case.
See it run on a case that looks like yours.
A 30-minute demo, with cash flow modelling embedded in a real advice journey end-to-end.
Modelling clients understand without a glossary
One of the biggest jobs in advice is helping the client actually grasp what's being recommended. Focus presents cash flow models in a clear, visual format that holds up in a real meeting, not a tax-jargon spreadsheet.
Advisers can show the impact of different choices side by side: take the lump sum vs. drawdown, retire at 60 vs. 65, downsize vs. equity release. Clients see the trade-offs in their own terms, and the conversation moves on.
By making complex modelling accessible, the platform strengthens client relationships and improves engagement throughout the advice process, and gives the adviser the evidence to back the recommendation, not just the chart.
Less manual modelling. More client time.
Manual cash flow modelling is slow, error-prone, and the first thing to skip when an adviser is under pressure. Focus automates the bits that don't need a human in the loop, so advisers spend less time building projections and more time delivering value to the client in the room.
Removing duplication and tightening workflows lets firms handle more clients without growing the operations team. Margins improve. Quality holds. The maths stops being a bottleneck.
Built for financial services
Enterprise-grade modelling, designed to scale
Suitable for individual advisers, scalable across multi-adviser organisations.
Scalable infrastructure
Cloud-native architecture designed for financial services workloads. Predictable performance from one adviser to thousands.
Secure by design
ISO 27001 certified, with secure handling of sensitive financial data and a 15-year track record of zero unplanned production downtime.
API-first integration
Cash flow modelling exposed through documented APIs — so you can replace your existing tool, or slot it into what you've got.
Connected to the wider Focus platform
Cash flow modelling on the Focus platform is part of a fully integrated advice stack. Client data, modelling, workflows, and advice delivery are all connected, initial engagement through to recommendation and ongoing planning.
That removes the silos between tools, reduces friction across the journey, and keeps the advice consistent at every stage. Same client model. Same engine. Same audit trail.
Powerful modelling, embedded in the advice journey.
The cash flow tool that doesn't sit on its own, and the conversation that proves it.