s7_ongoing_review

Goals

Adviser-constructed goals with feasibility scoring. Client-stated objectives are captured in the member sections.

#1Retirement incomeprimarynot assessed

Sustainable indexed retirement income across both principals

Target: £140,0001yr horizonGeoffrey Whitlow

#2iht mitigationprimarynot assessed

Reduce estate exposure below the £6.4m → IHT-neutral target via BPR + lifetime gifts

Target: £2,000,00010yr horizonGeoffrey Whitlow

#3Legacy / IHT planningprimarynot assessed

Legacy provision for son Henry (university grant + housing deposit support)

Target: £500,0005yr horizonGeoffrey Whitlow

#4esg alignmentprimarynot assessed

Portfolio ESG alignment — SDR 'Sustainability Improver' label preference

Geoffrey Whitlow

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