The question most wealthy clients never think to ask.
Most people with significant wealth spend a great deal of time thinking about how to grow it.
Very few spend time thinking about whether they have enough.
It sounds like an odd question. Enough for what? The answer is different for everyone — and that is precisely the point. Without a clear picture of what your wealth needs to do for you, over what timeframe, under what circumstances, it is almost impossible to make genuinely good financial decisions. You are optimising without knowing what you are optimising for.
This is where cashflow modelling changes the conversation entirely.
When I work through a detailed cashflow analysis with a client, we map out their financial future in plain terms. Different scenarios. Different decisions. Different markets. The picture that emerges often surprises people — sometimes reassuringly, occasionally uncomfortably.
Some clients discover they are taking more investment risk than they need to. Others realise they have been deferring decisions about passing wealth on because they were never quite sure they could afford to. A few find that the business exit they have been planning for years will leave them with more than they had imagined — and that the most important planning conversation is not about the money itself, but about what they want to do with it.
The question “Do I have enough?” is one of the most useful questions in financial planning. It is also one of the least asked.
If you have never had that conversation with your adviser, it might be time to start.
Tony Robinson / Founder
The Financial Conduct Authority (FCA) does not regulate Cashflow planning or tax planning.
