Overview
Household position — excludes the home (counted separately under Estate)
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
Modelled at a single membership level — the maths is printed so you can audit it
How the 300-member figure is built
Change any input in
data/figures.js (members, revenue/member, profit/member) and every RC figure follows.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%
£15k
5%
2041
£25k
Yes
£0
2038
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