For Garrett Cotter, introducing cashflow modelling has meant more job satisfaction and crucially, happier clients.

Garrett is associate partner at Epoch Wealth Management.

He has been in the financial services industry since leaving university in 1995. Garrett started out as an employee benefits and pension scheme consultant in the owner managed business sector, before moving to PriceWaterhouseCoopers in its specialist defined contribution pension scheme department.

More recently, Garrett has broadened his specialities to advise private individuals as well. He holds the Investment Management Certificate, and is also a chartered financial planner.