Cashflow modelling has been included among the key competencies required of trainee advisers entering a new national Government apprenticeship scheme.

After a couple of enjoyable visits to the Celtic Manor in 2014 and 2015, I didn’t attend the CISI Financial Planning Conference this year. It’s hard to put my finger on the precise reason why.

It seems that my last column about Lifetime Cashflow Planning has provoked some interesting debate.

Many candidates aiming to gain Certified Financial Planner status wrongly believe that a comprehensive cashflow is obligatory in the assessment, the CISI’s head of Financial Planning says.