How we grew a Swiss Wealth Manager’s Cash Balance 2.7x with 13-week cash flow forecast
- Industry
- Wealth Management / Financial Services
- Headquarters
- Zurich, Switzerland
About Zacharias
Zacharias is a Swiss wealth management company managing approximately CHF 80M in assets.
Challenges
Despite being profitable and debt-free, the company faced a liquidity scare after a major annual invoice exposed weak cash planning. Quarterly fee income, monthly costs, limited spending controls, and no reliable forward cash view created unnecessary liquidity risk.
Our approach
Built a 13-week cash flow control system combining weekly forecasting, spending limits, payment reviews, and reserve rules.
13-week forecast
Built a 13-week rolling cash flow forecast.
Liquidity tracking
Introduced weekly liquidity tracking and monthly strategic reviews.
Payment scenario checks
Added scenario checks for major payments before approval.
Spending cap
Established a monthly spending cap and reserve policy.
Annual invoice provisioning
Started monthly provisioning for large annual invoices.
Results
<5% forecast variance
Forecast variance reduced to under 5%.
2.7× cash balance
Cash balance increased to 2.7x the Q1 low.
~10 weeks early visibility
Future liquidity pressure identified ~10 weeks in advance.
74% of monthly cap
August spending held at 74% of the monthly cap.
Board-ready cash policy
Major annual invoices are now funded in advance.
Result 6
Formal cash policy prepared for board approval.
Engagement timeline
Diagnose → Build → Deploy → OperateBuilt a 13-week rolling cash flow forecast.
Introduced weekly liquidity tracking and monthly strategic reviews. Added scenario checks for major payments before approval.
Established a monthly spending cap and reserve policy.
Started monthly provisioning for large annual invoices.
Before & after
- Despite being profitable and debt-free, the company faced a liquidity scare after a major annual invoice exposed weak cash planning.
- Quarterly fee income, monthly costs, limited spending controls, and no reliable forward cash view created unnecessary liquidity risk.
- Forecast variance reduced to under 5%.
- Cash balance increased to 2.7x the Q1 low.
- Future liquidity pressure identified ~10 weeks in advance.
- August spending held at 74% of the monthly cap.
Artifacts delivered
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