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A Cash Flow Balanced Life

Whether we are working on Tax Strategies, Retirement Planning or Succession Planning, optimizing cash flow for our clients is the holy grail that continues to power all other areas of financial planning. When our clients are in control of their cash flow, we get the most positive feedback on their level of comfort and security as well as their overall state of wellbeing.

Making Cash Flow As A Fundamental Part of Planning

While cash flow might appear simple at face value, planning where, when and how you spend your money is easier said than done. We also understand that living off of what you have in the bank is not always what you have been taught or want to do. From the insights we have gained over the years, we have created a cash flow analysis and management system that aims to allow you to develop realistic plans where you can spend wisely while also accumulating wealth.

Plan and set Your Investment Goals

Business Cash Flow Management

Now more than ever, businesses have witnessed the fundamental importance to maintaining a cash flow positive business. From developing a Business Succession Plan to starting a Small Business Benefit Plan, our Advisors can help you develop a cash flow strategy to ensure that you are truly building your company with a strong foundation.

Personal Cash Flow Management

Whether you are in your first job, about to buy your first home, or Estate Planning, it is never too late to start to manage your cash flow. Once you have accumulated wealth, many of our clients have multiple streams of income and require further management of cash flow. Regardless of the phase you are in, our Advisors can work on a plan that immediately creates a balance and moves you in the right direction.

Key elements to consider during Cash Flow Management include, but are not limited to:

Income: Defined as salary, bonuses, self-employment income, and passive or investment income sources

Fixed Expenses: Expenses that do not change month to month like rent, mortgage, utilities, and loan payments. Business fixed expenses are property leases, bills and salaries, as well as anything needed to purchase assets and inventory.

Discretionary Income: Non-essential spending for home or business like home/office improvements, travel, entertainment.

Taxes: One of the larger expenses, taxes impact all spending and need to be especially considered as a self employed small business owner

Savings: Includes monthly and annual savings, such as 401(k) contributions and deposits to other saving accounts.

The common thread in all of these scenarios is our meaningful relationships that come first and for that reason we have devised a unique cost-structure that allows for unbiased decision-making and an open line of communication so you don’t have to be concerned about the cost of advice.

Your 3-Step Process to a Customized Small Business Benefits Plan


During this phase, we assess where you are in your finances and how to properly allocate to spending, saving and investing. We also take the time to understand your past and present spending habits in addition to your current finances as it allows us to uncover driving factors that might impact future planning. Regardless of where you are at in your career and life, it always makes sense to plan for fixed expenses, discretionary spending and long-term goals. 


We help you establish a cash flow system to manage income coming in and then provide regular check ins to review. A client roadmap then highlights how these buckets can shift over time depending on variables as you get closer to your goals. Most importantly, we teach our clients not to be so hard on themselves if they sway off the plan as once you have a roadmap, you can always adjust and jump right back in there.


Monitoring cash flow is an active and on-going process that we continue to track on both a monthly and annual basis. The annual review in particular helps you to understand your position vis-a-vis your longer term planning.

The starting point of any plan begins with a baseline understanding of your current investments and risk tolerance. Let’s get started and find yours.


Meet Our Founder Rick Bell

“Planning Capital Management was originally created in 2001 to be a planning-first independent investment advisory. Understanding the goals that drive our clients and their financial picture helps us formulate the plan and control risk better while managing their money.”

Meet The Team

Your Cash Flow Management Questions Answered

Don’t see what you are looking for above. We have explored and written about trending cash flow topics on our blog. Check out these posts for more!

Advice on teaching kids about budgeting and saving?

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