Increased complexity is a cost that the new benefits need to justify. What are the costs and benefits of your cost-benefit analysis? Too often, cashflow modelling introduces additional costs for little to no additional benefit. A cashflow process is not an end in itself.Complex stochastic models still do not tell you what you need to do, what you really want to know, and can inspire misplaced confidence.A simple model that supplements and supports, rather than dictates the terms of, the adviser-client relationship, and that works dynamically to encourage flexible responses to events, not complex predictions of them, is the real sophisticated solution to the cashflow puzzle.