We begin every client relationship with a detailed look at your cash flows. Before we talk investments, insurance, or taxes, we build a rock-solid understanding of your income, expenses, and savings trajectory.
Cash flow planning is the process of projecting your income, expenses, and savings over time to determine how money will move through your life. It answers questions like:
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Are you living within your means?
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Are your savings goals achievable?
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Will you need to draw from investments, and when?
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Are large expenses (like a car, home renovation, or college tuition) going to disrupt your financial stability?
This isn’t just budgeting, it’s strategic forecasting that helps ensure every dollar is working in alignment with your long-term goals.
Introducing the 5-Year Cash Flow Statement
As part of our onboarding process, we provide each client with a custom 5-Year Cash Flow Statement. This personalized document illustrates:
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Your portfolio starting balances across taxable accounts, retirement savings, and cash holdings
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Expected income sources, such as salaries, distributions, or other inflows
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All major cash outflows, from living expenses and taxes to big-ticket items and planned savings
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Net cash flow each year, showing surplus or shortfall
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Your projected portfolio balances at the end of each year
This baseline becomes the anchor for all other planning areas.
This content is being provided for informational purposes only and should not be construed as a specific recommendations or investment advice. Always consult with your financial planner, insurance professional before making important financial decisions.
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Sterling Edge Financial LLC. are not affiliated.