Category: Cash Flow Modelling

Defaqto Engage cash flow planning starts from the client record already in Engage, modelling a household’s income, spending, assets and pensions year by year. Projections run deterministically or stochastically depending on the firm’s licence setting, and stress testing gives a probability of success. A separate drawdown module tests a required income against the investments meant to pay it, then hands into research. Inheritance tax and protection needs sit outside the model.