At the core of any effective financial strategy is a thorough understanding of our clients' current and future cash flow.

Taking the time to understand how individuals manage their daily finances is essential for developing a successful strategy moving forward.

Sometimes, an investment plan may initially appear viable, but a detailed review of projected income and expenses can reveal a different picture. For example, clients planning to start a family might overlook the impact of reduced income during maternity or paternity leave and the potential childcare costs when they return to work.

In addition to recognizing changes in our clients' income and expenses, the Kaiyan Consulting team works closely with them to develop strategies for monitoring and managing their daily finances.