"By using i4C the lawyers as deputy could demonstrate they had considered all options and taken appropriate advice prior to finalising their investment decisions."

Jonny is 10 years old and is in poor health with reduced life expectancy due to complications when he was born. Jonny received a payment as a result of a medical negligence claim alongside a regular income to cover care and living costs. After the initial purchase of a new adapted property, there is a balance of £1.2 million on deposit for potential investment. Lawyers were appointed as deputy trustees for Jonny and are essentially responsible for all decisions with regards to his financial well-being.

Legal Trustees As Deputy For Jonny (Aged 10)

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"I signed up to trial your new i4C cashflow modelling tool today and I thought it would be good to give a bit of constructive feedback..... I loaded in all of my own data which I really found very easy and you can tell this thing has been designed by financial planners – lots of extra boxes that are relevant and informative – without a complete soup of boxes to complete. In short – I really like this tool. It is intuitive, diligent and clearly designed by professional financial planners."

I hope you don’t mind but I signed up to trial your new i4C cashflow modelling tool today and I thought it would be good to give a bit of constructive feedback. I love the initial interface when you sign in. It is fresh and immediately obvious (even to an old man like me!) I really found reassurance in the double security of sending you an authentication code when you try and log in. This meets GDPR worries that Financial Planning firms may have and it made me feel comfortable to actually enter data to really take the thing by...

Darren Thomas, FPFS MCSI, Managing Director, Thomas and Thomas

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"The turning point for our business was when i4C proved to us that a cashflow planning tool could be effortless and trustworthy."

Barry Newbury, Managing Partner, Epoch

"Knowing my decision-making has been based on a thorough process that has been stress-tested by i4C gives me and my wife so much peace of mind. "

Roger and his wife are in poor health. Roger has recently undergone the process of transferring his pension out of a defined benefit scheme to safeguard the potential to pass on value to his children on death. He has recently taken early redundancy and been living on cash savings rather than drawing on his pension whilst he assesses what his and his wife’s actual expenditure levels are.  He has estimated this at £25,000 annually which leaves them with a shortfall of circa £10,000 per year over the next 9 years before their state pensions become available. Whilst Roger appreciates that...

Roger Jones

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"Thank you for an impressive presentation this morning - your cashflow modelling software is the best I’ve seen and will be an invaluable tool for clients."

Partner – Chambers Band 1 Law Firm

"That is the best couple of hours anyone has ever spent with us. You have truly lifted us out of the mire and helped us look at the big picture. THANK YOU!"

Alex (aged 55) and Sarah (aged 50) are both in good health with two children.  Alex is a director in a local business and Sarah works as an administrator in the business.  They draw a combined gross income of £125,000.  They estimate they spend c.£70,000 per annually. They own their main residence worth £730,000, cash and investments of £125,000 and pensions of c.£400,000 invested in line with a balanced approach to risk.

Alex and Sarah

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"Using i4C has totally transformed the service you offer to me as a client. Rather than focusing on the past our meetings are now about visualising and planning for the future. That is far more interesting and valuable."

Trevor, Entrepreneur

"i4C demonstrated that they could afford the extra monthly expense of a lease, even with reduced working hours and using their cash as a buffer to top up their income. "

Bob (aged 57) and Jackie (63) are both working on relatively modest incomes.  The gross annual total income is c.£30,000 and expenditure is c.£23,000.  Jackie’s health is not good and she would like to give up work. Their home is valued at £500,000 with no debt. They also have a pension fund worth £250,000 and cash on deposit of £50,000. They are both entitled to full state pensions at age 67.

Bob and Jackie

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"Used well, it can empower clients, help them make good decisions and, maybe, change lives. I think all advisers dealing with mainstream clients should be using cash-flow planning to a greater or lesser extent."

Rory Percival, ‘An Ex-Regulator’s Guide to Cashflow Planning’

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"Tom was impressed by the impact of demonstrating the affordability of making pension contributions and the impact of not making them."

Tom was referred to a firm that uses i4C - initially for pension planning advice and most specifically on how to structure his income in retirement. Tom owned significant levels of commercial property but few liquid assets. He also owned a share of a trading business which was valued at approximately £4m. Whilst working he had sufficient income from the trading business to cover his expenditure but that would cease on retirement. He has a pension valued at c.£1m to access as required alongside the full state pension

Tom – Business and commercial property owner

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