Lifestyle financial planning produces an artefact most people have never seen — a long-range projection of their wealth across the next thirty or forty years, modelled with their actual numbers. This is a simplified version you can drive yourself in thirty seconds. It is not a forecast and it is not advice — but it shows what the work actually looks like.
Six inputs. The chart updates as you move the sliders. Cash continues at the spending rate; the portfolio is assumed to compound at the annual return between now and the end-of-life age, with the spending rate eating into it from the retirement age onwards. A simple model, but the shape is honest.
On these assumptions, the portfolio sustains the target spending across the full horizon. There's a margin of safety, which is what you'd want from any plan worth committing to.
This is a one-page calculator. The plan we build for a real client is something different in kind — modelled across dozens of variables, stress-tested against decades of market history, and updated every year of the relationship.
Thirty-minute call. No charge. We look at where you are and whether a proper plan makes sense for you.
This Living Plan preview is a simplified illustrative calculator. It is not a forecast, not a recommendation, and not personal financial advice. Investment returns are volatile and cannot be predicted; tax rules change; life changes. The shape of the projection depends entirely on the inputs you supply. Past performance is not a reliable guide to future returns. For a proper plan, the right next step is a thirty-minute call. Chapter3 Financial Planning Ltd is an Appointed Representative of ValidPath Limited. ValidPath Limited is authorised and regulated by the Financial Conduct Authority under FRN 197107. Chapter3 Financial Planning Ltd appears on the FCA Register as an Appointed Representative under reference number 931195.