Overview
Household position — excludes the home (counted separately under Estate)
Weekly Digest
The latest weekly brief, recorded here each week by the refresh routine
Investment Portfolio
Vanguard ETFs across ISA, SIPP and Fund & Share — Hargreaves Lansdown
By account
Allocation
Performance history
Savings
Cash — HL Active Savings + Monzo (latest month-end)
Income & Tax
2026/27 general partnership — tax computed live by the engine (incl. starting-rate-for-savings)
Tax breakdown per person
Household Spending
12 months, lifestyle only (mortgage + tax excluded) — holidays & reno capped to targets
Renovation Options
A one-off capital project this year — funded from cash, not lifestyle spend
Reading Chest
Live business metrics from the RC admin feed
12-month trend
Plan mix & how the figure is built
Cost & growth model
300
No
No
Members to reach a self-funding position
Estate & Inheritance Tax
The single biggest planning issue — quantified. Verify mechanics with Steven.
Estate composition (second death)
Gifting lever
£0
50-Year Projection
Interactive — central path with a pessimistic/optimistic growth band
Controls
2.5%
6.0%
3.0%
5%
2041
£25k
Yes
£0
£0k
£15k
£2.5k
2038
No
No
Summary (central path)
Tax is computed each year by the live UK engine (not a flat rate), so the 2046 higher-rate transition is reflected. Property grows with inflation; the SIPP 25% tax-free lump sum is optional above. Confirm retirement-income tax with Steven.
Resilience
Stress tests — the question is no longer "will it survive" but "how to decumulate & transfer efficiently"
Scorecard
Stress tests
Priority Actions
In order of value — review monthly