s3_analysis_recommendation

Assets

Lifetime ISANutmeg

£24,000sole

Sarah — LISA (first-home topup planned)

Stocks & Shares ISAVanguard

£8,500sole

Tom — JISA

Stocks & Shares ISAVanguard

£7,200sole

Lily — JISA

Cash / savingsNationwide

£62,000joint

Joint cash savings — emergency reserve + house-related budget

Main residence

£580,000joint

Primary residence — Oxford (joint mortgage)

Total: £681,700

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