What is included at each step

This page sets out exactly what a SystemFlow Financial Planning planning engagement contains, so you can decide whether it matches what your business needs before any fee is agreed.

Step 01 — Discovery consultation

We start with a single booked hour, online or at our Rama III office, to look at how your business earns and spends today. You tell us which decisions feel stuck; we ask about how you currently split personal drawings from company cash and where VAT falls in your cycle. This step stands on its own — it carries no obligation to continue into a full engagement.

Step 02 — Cash and tax mapping

Next we lay out, month by month, every channel through which money reaches or leaves the company: incoming revenue, fixed outgoings, VAT owed, director pay and any personal funds you have put back in. The result is a one-page view that shows immediately which months are liquid and which ones are tight.

Step 03 — The planning engagement

Here we build the 12-month rolling plan. It sets out how much cash to keep in reserve, the right moments to settle tax, where reinvestment should go and a sensible way to draw your director pay. The plan is written in plain columns with named assumptions and the scenarios your business genuinely faces, so you can keep it current yourself between our sessions.

Step 04 — Review and recalibration

Each quarter we sit down again to set the plan next to what actually happened, adjust for the surprises, and re-time decisions around the VAT and personal income tax deadlines that fall next. This is the step that makes the plan pay: a forecast that still holds after a customer pays a month late.

Who an engagement is for

A planning engagement fits a small business owner who has real cash moving through the company each month, can share recent account statements, and wants to make decisions from a plan rather than from instinct. It is not for a pre-revenue startup looking for investor decks, and it is not a substitute for licensed tax or audit work.

Who an engagement is not for

If you need a filed audited statement, a registered tax submission, or a licensed investment product, this engagement is the wrong starting point. We will tell you that in the discovery consultation and refer you to a suitable practitioner instead of stretching the engagement to cover work it was not designed for.

Ready to talk through whether an engagement fits? Book a consultation and we will tell you straight.

The engagement, step by step