The Cash Advisory Line: How to Sell and Deliver Client Cash Forecasting Across Your Whole Book

Hey, I'm Damon Millar. I run an accountancy practice in the UK and work as a fractional CFO alongside it, so I do the advisory delivery myself, week in week out.

I built this because every conversation about moving a practice into advisory stops in the same place. Everyone agrees it's the right move. Nobody hands you the thing you actually put in front of the client on Monday morning.

Here it is. The model is below. The nine steps after it are how you sell it and deliver it.

Download: Client Cash Flow Advisory Model.xlsx - 8 sheets, 60 months, 4,846 live formulas.

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⬇️ Open the Start Here tab first. Every blue cell is an input, everything else calculates. Set the start month to the first month of the client's financial year, or the tax timings will be wrong. Want a hand running it across your book? Book a 30-minute practice call

What's in the workbook

Sheet	What it does
Start Here	Run order, colour key, and a plain list of what the model does not do
Dashboard	10 KPI cards, a 24-month cash snapshot, 3 charts. Every cell is a link, nothing is typed
Assumptions	The engine. Every number in the workbook traces back to a cell here
Monthly Model	60 months of P&L, UK VAT, working capital, fixed assets, debt and indirect cash flow
Annual Summary	The 60 months rolled into 5 years. No manual consolidation
Advisory Flags	12 auto-scored flags, each with the conversation to have and where the fee is
Free Cash Flow	EBITDA to unlevered to levered free cash flow, monthly and cumulative
Budget vs Actual	First 12 months. Paste the actuals, variance calculates itself

The forecast is the artefact. Advisory Flags is the product.

The outcome you'll get

By the end of this you'll have twenty named clients on a quarterly cash advisory rhythm, a build a senior can run without you, and a price for it that clears your cost to serve.

The workbook above does the arithmetic. The nine steps below are what turn it into a fee.

What you need before starting

The workbook above. Downloaded and open on the Start Here tab.
Ledger access for the clients you'll run this for. Xero, QuickBooks, Sage, doesn't matter. You need to be able to pull four reports.
An afternoon for the first two builds. They'll take an hour each while you're learning where it breaks. By the fourth you'll be at half an hour.
A separate engagement letter, or a schedule to the existing one. Forecasting isn't compliance. Set out the scope, what the client supplies, and that the output rests entirely on assumptions they've agreed. If your PII cover is scoped to compliance, check it before you sell advisory off the back of it.