2026 will mark the end of an era for lifetime cashflow modelling software — and possibly for many advisers who depend on it.
We’ve seen them all: Voyant, Timeline, Prestwood Truth, CashCalc — once considered cutting-edge tools for financial planning. These systems were designed to help advisers demonstrate value and justify asset-based fees by answering the big questions:
- When can I retire?
- Will I outlive my capital?
- How do I optimise my investments?
Yet, these once-revolutionary platforms are facing extinction.
The Problem: The World Has Moved On
For years, only around 10% of advisers actually used cashflow modelling with clients. Those who did saw it as an extra few hours’ work for no additional income. But rising consumer expectations and regulatory pressure to prove value have changed that.
Now, advisers are rushing to embrace lifetime cashflow models as their new differentiator. Unfortunately, they’re arriving just as the model itself is dying.
From Intermediation to Empowerment
We’re witnessing a seismic shift — from the Age of Intermediation and Extraction to the Age of Self-Sovereignty and Empowerment.
Your current clients may still appreciate your “done-for-you” service. They trust you, they value your wisdom, and they believe you hold the secret sauce to their financial happiness. But both you and they are ageing. The next generation sees the world differently.
For them, there’s no longer any information asymmetry. AI has flattened the playing field. They’re not coming to you for spreadsheets — they’re asking ChatGPT, Claude, or YouTube. They want done-by-me tools, on-demand insights, and authentic human connection when it truly matters.
AI Has Already Eaten the Modellers
Don’t believe it? Type this prompt into Claude.ai:
“Can you help me create a lifetime cashflow model?”
The result? A fully interactive model — free. It tracks income, expenses, assets, debts, and projects net worth over a lifetime with visual charts and scenario testing. It offers options for tax modelling, mortgage tracking, and investment portfolios — all in seconds.
That’s the free version.
Commercial cashflow modeller businesses can’t compete with that. Their time has expired, just as the human typists, map drawers, and switchboard operators of earlier technological revolutions once did.
What This Means for Advisers
Some will say, “It’s not accurate,” or “People need a professional to interpret the data.” That’s DARVO — Deflect, Avoid, Reverse Victim and Offender.
The truth is simple: the maths is being done by machines.
For 90% of people, 90% of the time, managing their own finances will be fully achievable — with AI providing real-time guidance.
So where does that leave you?
The Human Advantage
In times of stress, transition, or emotional change, people don’t need a calculator — they need a conversation.
They need a human being who can listen, empathise, and help them navigate uncertainty. That’s where the future lies — not in number crunching, but in meaning-making.
So, human up your practice. Learn to be a Life Planner — or better still, a Holistic Wealth Planner.
Move beyond the spreadsheets. Move into transformation.
The Takeaway
AI hasn’t killed financial planning — it’s liberated it. The tools we once guarded as proprietary are now open to all. What remains is the human art of helping people design a life worth living, then aligning their money to serve it.
That’s the future of planning.
That’s the GAME Plan™.
Contact the Academy of Life Planning to learn how to evolve from financial adviser to Holistic Wealth Planner — and stay relevant in the age of AI.
The GAME Plan
At the Academy of Life Planning, we help you turn those seeds into a sustainable reality—transforming talents into service, and service into abundance. Through the GAME Plan, you discover not just how to plan your life, but how to live it on purpose.
Take back control. Plan your life. Design your wealth.
The Done-By-You GAME Plan Report™ is your personal roadmap to a purpose-led life—crafted in Notion, guided by the Academy of Life Planning’s transformational GAME Plan Framework. This self-paced digital toolkit helps you align who you are with why you’re here, turning values into goals and talents into sustainable livelihoods. With built-in reflection prompts, decision journaling, and AI-powered business planning support, you’ll design a life—and wealth—on your own terms. No jargon. No products. Just your plan, done by you.
Academy of Life Planning 
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