Financial & Cash Flow Modelling

What You Know - What You Know

What You Know

Many of our clients have good knowledge at a higher level of their financial assets, be they fixed property assets, investment portfolios, direct share portfolios, pension assets, deferred pension arrangements or severance payments that may be in the offing.
However, for most identifying their long term income flows from these assets is a very important part of making big decisions such as when to stop or reduce working hours, predicting college expenses and associated costs, pension funding levels, savings and the repayment of debts and mortgages.

What is Cash Flow Modelling? - What is Cash Flow Modelling?

What is Cash Flow Modelling?

Cash flow modelling in its simplest form is the processing assessing your current and forecasted wealth, along with inflows (income) and outflows (expenditure) to enable Navigation Wealth to create a picture of your finances both now and in the future.
Preparing a cash flow model is a fundamental step in building towards milestones in life and key to sound financial planning and investment.
Cash flow modelling measures your current and future financial worth based on your income and expenditure over your lifetime. The model also takes into account possible financial outcomes that might occur in your lifetime.

How Does It Work? - How Does It Work?

How Does It Work?

Based on certain assumptions we can illustrate what your current financial position is, relative to your preferred position and your long term goals. We can essentially help you look at options.
For example, what if you wanted to retire at 60 but were concerned about the impact of education costs if you have one or two children just entering college?
What if you have a number of properties and want to know the impact from a cash flow, income flow (from rent) and tax perspective should you sell one or a number of these properties at varying points in time (eg. 62, 68, or 75).

The Questions Our Clients Ask - The Questions Our Clients Ask

The Questions Our Clients Ask

What if you have an ARF and want to know if it can sustain you in the long term?
What if you want to know what the potential inheritance tax bill would be like should you die at a certain age?
What if you want to spend €20k per annum on holidays from the age of 60 to the age of 70, what affect will this have on your assets?
Through the use of highly reputable software we can work through a cash flow model for you leading to better savings, investment and life changing decisions.


In order to provide a meaningful cash flow plan we need specific relevant detail. The modelling tool we use needs to know what you are thinking. So if you are planning on retiring at a certain age, is that part retirement or full retirement, what are your core expenses like now and how do you envisage these to change when you retire or when your children leave college? An accurate cash flow model can also indicate if there’s a possibility of you running out of money before you die and demonstrate what you need to do to negate that possibility.

Cash Flow & Investment

A particularly useful benefit of cash flow modelling relates to your investment strategy. If for example you require a relatively modest lifestyle in retirement and have some years away, then whay adopt a high risk investment strategy when a more cautious strategy will achieve your objectives? Cash flow modelling will allow you to ask the question, whay should I take any more risk that what I need to? On the flip side of the coin, you may want a very comfortable way of life in retirement; expensive holidays, travel, family that may be living abroad, hobbies or even tigger happy on Amazon! In those circumstances, it may be necessary to consider more adventurous investment strategies to sustain your assets and income in the longer term.


  • Navigation Wealth now operate as an integral part of the advice we provide to our clients. Their practice is busy but somehow they find time to answer our many questions, make suggestions and provide innovate solutions for our clients pension and investment requirements. Their knowledge, experience and ability to articulate it well has proven financially very valuable to our clients and reassuring to us. We trust them!
    O'Connor Pyne & Company,
  • "Richard and Paul has been a key support to our firm and clients for over five years. Their combined skill set has generate clever and profitable solutions for our clients. We highly regard their ability to engage with our clients and value their client first approach. Highly recommended!" Top Qualities: Thorough Solutions, Clear Explanations, High Integrity and Trust
    Westboro Partners Ltd,
  • We at TA Sheehan & Co cannot say enough good things about our experiences working with Navigation Wealth. We are 100% confident in using their services for our clients financial planning, pension and investment requirements. Both Paul and Richard have a core depth of knowledge and skill in explaining what typically tedious and complicated topics to our clients are. They simplify the detail, provide expert advice and go above and beyond to help us and our clients. We would never go to anyone else! Top Qualities: Clarity, High Integrity, Trust, Client Focused
    T.A. Sheehan & Co,
  • Navigation Wealth has proven an invaluable part of our advice process for over five years now. Pension and retirement planning in particular can be complex and tedious with investment and financial planning requiring a personal and confidential approach. Navigation Wealth have always delivered in a very professional way to our clients and we see highly recommend Navigation Wealth to our clients. Top Qualities: Confidential, Expert Advice, Personable
    Baxter & Associates,
  • "We have engaged the services of Navigation Wealth for a number of years now and will not be recommending any other firm of financial planners to our clients. Richard has always been there for us with suggestions and creative ideas for our clients the ultimately lead to better outcomes for our clients. We enthusiastically refer our clients to Navigation Wealth and in an era of greater complexity, it is great to have an ally like Navigation Wealth available to you." Top Qualities: Creative, Expert, Trust
    James Kelly & Associates, Accountants,
  • We cannot say enough about Paul Moore's dedication and highest calibre professionalism toward our clients. Year after year, Paul carefully reviewed our clients' pension and investment portfolios in an objective, impartial and considered way so as to ensure our clients received the best outcomes. Navigation Wealth, have continued to support the advice and service we provide to our clients, they source the most suitable solutions for our clients, they maximise value and manage the investment risk of our clients' portfolios and have added immense value to the services we provide. We highly recommend Navigation Wealth for any accountancy firm, solicitor or client, we trust them to work closely, confidentially with high integrity with all our clients. Top Qualities: Great Client Feedback, Confidence, Expert Advice, Trust.
    Martin & Company,







Our people

Richard Riordan - Director - Richard Riordan - Director

Richard Riordan - Director

Richard joined Navigation Wealth in late 2010 having spent over 20 years working with and advising retail…

Deirdre Quinlan - Office Senior - Deirdre Quinlan - Office Senior

Deirdre Quinlan - Office Senior

Deirdre Quinlan joined Navigation Wealth in 2010 having previously worked with L.C.I…

Paul Moore - Pensions and Investment Adviser - Paul Moore - Pensions and Investment Adviser

Paul Moore - Pensions and Investment Adviser

Paul joined Navigation Wealth in 2010 as a Financial Consultant. Previously worked with Marsh Financial…

Clare Barry - Technical Support and Research - Clare Barry - Technical Support and Research

Clare Barry - Technical Support and Research

Clare, who works remotely for us as a research and technical consultant, is the most recent addition to the…

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