s3_analysis_recommendation

Goals

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

#1first home topupprimarynot assessed

Use LISA to top up house-purchase deposit at age 50

Target: £32,00013yr horizonSarah Bennett

#2education planningprimarynot assessed

Tom's potential private secondary-school costs (option held)

Target: £150,0006yr horizonJames Bennett

#3Retirement incomeprimarynot assessed

Joint retirement income — target replacement of 60% of working income

28yr horizonJames Bennett

#4tapered aa managementprimarynot assessed

Manage Sarah's tapered annual allowance to avoid in-year breach

1yr horizonSarah Bennett

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