Cash Flow Planning
Will You Be Ready When Life Says, “Time Now?”
Whether it’s for a real estate purchase, career shift, large gift, or unexpected life change, your ability to act quickly and intentionally hinges on good cash flow planning.
Why Cash Flow Planning Matters More Than Ever
Just like a well-run organization needs careful cash flow planning, your personal finances thrive when your cash flow is clear and aligned with your needs. Market turbulence, shifting income, and big life decisions all requires more clarity on your situation and options.
Psychological Margin
Maintain confidence and peace of mind with clear visibility into your financial position.
Tactical Readiness
Stay nimble when markets shift and protect your long-term investment strategy.
Smart Decisions
Make thoughtful, timely decisions with detailed scenario modeling.
We believe good cash flow planning provides both psychological margin and tactical readiness. It keeps you nimble when markets shift, protects your long-term investment strategy, and gives you the space to make thoughtful, timely decisions.
Our Cash Flow Planning Approach
Every client’s needs are unique, but the cash flow planning work we do as part of our engagement typically includes:
Liquidity Stress Testing
We forecast your cash flow over the next 12–18 months using a combination of fixed obligations, known opportunities, and expected inflows.
Cash Reserve Strategy
We help define your optimal reserve amount, structure your accounts accordingly, and determine what belongs in cash versus short-term investments.
Funding Analysis
From tuition and home renovations to milestone gifts or experiences, we help you evaluate the smartest ways to fund upcoming needs — with tax planning, liquidity, and opportunity cost in mind.
Scenario Modeling
We run side-by-side comparisons of your options—helping you decide not just if you can afford a decision, but how to fund it most intelligently.
Tax-Aware Withdrawals
For clients drawing income from investments or considering asset sales, we integrate your cash flow planning with our broader tax planning lens. Keep more of what you've earned.
Please see important disclosure information below.
Cash Flow Planning That Helps You Take Action
Cash flow planning is only helpful if it results in options that enable good decision making. At Monument, it’s not just about clarity—it’s about action.
- Summarize your options clearly
- Tie your cash strategy into your broader plan
- Deliver context-driven recommendations in plain English
Smart Cash Flow Planning for Fast-Moving Professionals
Our cash flow planning is built for fast-moving professionals that need clear insight into their cash flow situation and options:
- Business owners navigating uneven cash flow or preparing for a liquidity event
- Executives with fluctuating income or bonuses
- Families making large tuition or real estate decisions
- Professionals navigating career transitions or sabbaticals
The Monument Approach to Cash Flow Planning
We treat cash flow as one piece of your broader, ongoing wealth strategy—not a standalone exercise. Our cash flow planning is designed to be:
Integrated
We align your cash needs with your investment portfolio, tax strategy, and financial goals.
Customized
We build around your lifestyle, decision time horizon, and values—not some rule of thumb.
Flexible
Life moves. Our cash flow plans adjust with it. We revisit assumptions and update regularly.
Decision-Oriented
You’ll know what you can do, what your options are, and what we recommend—based on our data and modeling.
Monument’s Leadership Team
mini Case study
“Time Now?” Navigating Two Life Transitions at Once
The time had arrived.
After selling a business, our client was ready to start planning for their family’s next chapter and needed to know how to use the sale proceeds to make their vision a reality…
While our client remained at the company to fulfill the terms of an earnout, he and his spouse were already planning their next moves—including a sabbatical and the launch of a new business. With so many life changes in motion, they turned to Monument to help them build a smart, flexible cash flow strategy to enable their plan.
Their priorities were wide-ranging, and all happening at once. They needed to know how to allocate several million dollars in business sale proceeds to support:
- Setting aside funds to cover taxes
- Pre-funding 529 college savings plans for their children
- Renovating their home
- Maintaining enough liquidity to support one spouse on sabbatical and the other launching a new business
- Investing the rest to support long-term growth
We helped them devise a liquidity strategy to cover day-to-day living expenses without compromising future plans. Through scenario modeling, we mapped out what was possible, stress-tested for uncertainty, and created a plan that balanced flexibility with discipline.
As the new business venture became profitable and their household income stabilized, we remodeled and updated the plan—refining how much cash they needed to keep on hand and how much could be redeployed to long-term investments.
By serving as their “second brain” and strategic partner, Monument helped this couple stay clear-headed and ready to act with intention—through one of the most meaningful and exciting transitions of their lives.
Please Note: Limitations: The above is a hypothetical scenario not involving an actual Monument Capital Management, LLC (“Monument”) client. It illustrates the hypothetical experience of a fictitious client based on a scenario that an actual client might experience. The scenario is designed to help illustrate how Monument might provide services to similarly situated clients. Keeping in mind that no two clients, situations, or experiences are exactly alike, the above should not be construed as an endorsement of Monument by any of its past or current clients, nor any assurance that Monument may be able to help any client achieve the same satisfactory results. To the contrary, there can be no assurance that a client or prospective client will experience a certain level of results or satisfaction if Monument is engaged, or continues to be engaged, to provide investment advisory services. A copy of our current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request or at monumentwealthmanagement.com/disclosures
Unlock Optionality with Smart Cash Flow Planning
Monument is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice.
