RETIREMENT PLANNING AND CASHFLOW
Cashflow planning explained
Is your retirement plan in the best shape it can be? Cashflow planning can play a crucial role in helping you understand whether your plans for the future are on track.
Here is Chartered Financial Consultant, Harvey Armstrong, talking you through the concept and how cashflow modelling can support your long-term financial plan.
Want to see it in action?
Join us for a visual run through of a cashflow model by registering for our upcoming webinar using the button below.
Webinar: Navigating Retirement Planning and Cashflow
Date: Monday 28th September
Time: 12:00-12:45pm
Location: Webinar
RESOURCES
More from our experts
Recent resources from our Knowledge Hub, downloadable factsheets, and Lumin’s ‘Financial Illumination’ podcast.
KNOWLEDGE HUB
Have you built a financial plan or just collected investments?
In your working life, you may have built a combination of workplace pensions, Stocks & Shares ISAs, property, and savings accounts. Without clear objectives, this can mean unnecessary risk, duplicated exposure and tax inefficiency.
FACTSHEET
Your options for your pensions
Key aspects and tax considerations of pensions, from growing your pension to using it in retirement.
A robust plan provides an overall strategy to coordinate your decisions, balance your priorities, and achieve your goals, potentially leaving you thousands of pounds better off.
PODCAST
ISA changes 2027 explained
What do the upcoming ISA changes mean for your savings and investments? And what should you be thinking about before April 2027?
James Corcoran is joined by Jack Dudley to break down what the latest changes could mean for your long-term financial planning.
SEMINARS
Gain a complete picture of your finances
Cashflow planning provides a clear view of your future cash flow and overall financial situation, enabling you to determine attainable goals, ease worries, save on taxes, and make key financial decisions with confidence.
A cashflow plan acts as a key decision-making tool, helping to answer important questions, including:
- 01When can I retire?
- 02 How much can I spend in retirement?
- 03 What will my Inheritance Tax (IHT) liability be upon death?
- 04Can I afford to gift to my children?
- 05Am I invested in the right way for my goals?
- 06Can I afford to pay for care later in life if needed?
CASHFLOW MEETING
Register for a complimentary cashflow plan meeting below
GET IN TOUCH DIRECTLY
Book a meeting with one of our Financial Consultants
If you have specific questions about how cashflow modelling can support your retirement goals, arrange a free, no-obligation meeting with a Lumin Financial Consultant.
"Our mission is to help you feel financially confident for retirement."
JASON COPPARD
Chartered Financial Planning Manager
Complimentary first meeting
Understand your options
In this short meeting, a Financial Consultant will look at how your current plans align with your retirement goals and outline the potential options available to you.
1
Tell us a little about your finances and current retirement plans.
2
We match you with a Financial Consultant in your area.
3
Have a free, no-obligation call or in-person meeting at a time that suits you.
Lumin Wealth Management Limited and Lumin Wealth Limited are both owned by Lumin Group Limited.
Copyright © 2026 Lumin Wealth Limited. All rights reserved.
Lumin Wealth™ is a trading name of Lumin Wealth Limited which is authorised and regulated by the Financial Conduct Authority (FCA) No. 775068.
Registered Address: 2nd Floor, 4 Beaconsfield Road, St Albans, Herts, England, AL1 3RD.
Company Registered in England and Wales—Company No. 03381115
Copyright © 2026 Lumin Wealth Management. All rights reserved
Lumin Wealth™ is a trading name of Lumin Wealth Management Limited which is authorised and regulated by the Financial Conduct Authority (FCA) No. 580185.
Registered Address: 2nd Floor, 4 Beaconsfield Road, St Albans, Herts, England, AL1 3RD.
Company Registered in England and Wales – Company No. 07366158
