Solutions
Private previewCash Flow Planning & Modelling
Build the lifeline view from real reconciled numbers. Test life goals before they're agreed.
The problem
The cost of running this workflow by hand
What the manual workflow costs in time and risk, and why adding people doesn't solve it.
Cash flow planning is the analytical core of advice. Where the client is today, how their assets grow through working years, where the line declines at retirement, and how the firm's recommendations make it decline more slowly.
The work is heavy: assumptions for inflation, returns, tax, drawdown sequencing, and protection. Goals layered on top — new house, school fees, early retirement at 55. Most paraplanners do it once in cash flow software, then redo it after every adviser conversation that changes a goal.
And it usually happens with placeholder numbers because the LOA returns aren't reconciled yet. So the plan is rerun once the real holdings and fees land. That doubles the work.
How it works
Synthex runs every stage, from intake to approval
Each stage handed off automatically. Approval gates only where human judgement matters.
- 01
Start with the reconciled client record
Cash flow modelling kicks off from the reconciled record produced by LOA orchestration: real holdings, real fees, real contributions, real protection cover.
- 02
Apply the firm's assumptions
Your house view on inflation, returns by asset class, tax bands, drawdown sequencing, and protection costs is applied automatically. No paraplanner pulling assumptions from a spreadsheet.
- 03
Layer the client's life goals
Goals from the fact find — new house at 45, retirement at 60, round-the-world trip at 65 — are modelled against the lifeline. Achievability flags surface immediately.
- 04
Generate the lifeline view
A single chart showing assets through working years, decline at retirement, and the gap that recommendations need to close. Plus the same chart with recommendations layered in.
- 05
Iterate as advice evolves
When the adviser tests a different retirement age, a different drawdown, or a different protection mix, the plan reruns in seconds with the audit trail preserved.
Results
Measurable business outcomes
The process before and after Synthex, side by side.
Time to first cash flow draft
With Synthex
Before
Half a day to a day
Drag to compare
Assumptions consistency across paraplanners
With Synthex
Before
Varies
Drag to compare
Rework after LOA returns
With Synthex
Before
Full rerun
Drag to compare
Scenario exploration in adviser meetings
With Synthex
Before
Promised after the meeting
Drag to compare
Time to first cash flow draft
Half a day to a day
Minutes
Assumptions consistency across paraplanners
Varies
Firm-wide house view applied automatically
Rework after LOA returns
Full rerun
Updates in place against the same model
Scenario exploration in adviser meetings
Promised after the meeting
Run live with the client
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