| Plan Management |
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| Create Plans |
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| Copy, Rename, Set Active & Delete Plans |
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| Multiple Plans |
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| Plan Notes |
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| Quick Plans (Mobile & Desktop) |
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| Inputs |
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| Family: Individual, Married / Civil Partner, Children |
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| Home: Main Home & Mortgage |
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| Other Property / Net Assets / Income: Total Value & Income |
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| Savings & Investments: Cash Savings, Taxable Investments, ISAs, DC Pensions |
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| Earnings: Current Employment & Retirement Date |
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| Spending: Current & Retirement |
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| DB Pensions: Future Income / Lump Sum & Pension Date |
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| Default Values |
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| Workplace DC Pension Contributions, Future Pension Options |
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| State Pension, Child Benefit (First Child), Retirement Spending |
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| Contribution & Withdrawal Strategies for Cash, Pensions & Investments |
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| Inflation, Returns & UK / English Tax Assumptions |
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| Switch to Full |
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| Populate Full Plan with Quick Plan Inputs & Default Values |
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| Review Process to Accept / Edit Default Values |
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| Full Plans (Desktop) |
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| Family |
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| Individual |
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| Married / Civil Partner |
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| Children |
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| Cohabiting partner |
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| Specify life expectancy (for self & partner) |
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| Assets & Debts |
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| Homes |
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| Current Main Home |
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| Current Mortgage on Main Home |
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| Current Second / Additional Homes |
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| Current Mortgage on Second / Additional Homes |
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| Specify Individual or Joint Ownership and Ownership % |
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| Home Disposal (Sale / Gift) |
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| Move Home (Downsize) |
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| Early Mortgage Repayment |
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| Retirement Interest-Only Mortgage |
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| Equity Release (Lifetime Mortgage) |
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| Rental Properties |
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| Current Residential/Commercial Rental Properties |
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| Current Rental Income & Maintenance Expenses |
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| Property Disposal (Sale/Gift) |
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| Current Buy-to-Let Mortgages |
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| Business Assets |
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| Current Business Assets, Dividend Income & Disposals |
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| Specify Owner/Manager Business Assets (Trading Business, Unlisted Trading Co Shares) |
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| Specify Tax-Advantaged Investment Assets (AIM IHT Shares, VCTs, EIS & SEIS) |
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| Other Assets & Debts |
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| Current Personal Valuables |
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| Current Household Assets |
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| Asset Disposal Options (Sale / Gift) |
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| Current Unsecured Debt Balance (Overdraft / Personal Loan / Credit Card) |
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| Early Debt Repayment |
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| Earnings & Pensions |
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| Employment |
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| Current Primary Employment / Self-Employment |
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| Multiple Employments / Self-Employments |
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| Future Changes in Employment (Promotions / Downshifts / Career Breaks) |
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| Workplace Defined Contribution (DC) Pensions |
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| DC Pension Contributions from Earnings |
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| Specify Net Pay / Relief-at-Source / Salary Sacrifice |
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| Specify Pensionable Earnings / Qualifying (Auto-Enrolment) Earnings |
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| Workplace Defined Benefit (DB) Pensions |
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| Active Workplace DB Pensions |
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| Deferred Workplace DB Pensions |
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| In-Payment Workplace DB Pensions |
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| DB Pension Contributions from Earnings |
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| Additional Voluntary Contribution (AVC) Schemes |
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| DB Pension Benefits |
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| Use Own Pension Quotation |
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| Automatic Benefit Projection for Active DB Pensions |
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| Specify Career Average Revalued Earnings (CARE) / Final Salary basis |
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| Options for Commuting Pension Income to Cash Lump Sum |
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| State Pension Deduction |
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| AVC Scheme Linked to DB Pension for Tax-Free Cash Rights |
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| State Pension |
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| In-payment State Pension |
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| State Pension Rights |
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| Savings & Investments |
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| Account Types |
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| Cash Savings |
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| Taxable Investments |
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| ISAs |
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| Personal Pensions/SIPPs |
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| Pension Flexible Income Drawdown |
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| Savings & Investment Returns |
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| Default Returns & Savings Rates |
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| Specify Investment Asset Allocations & Returns |
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| Specify Savings Rates |
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| Specify Investment Fees |
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| Contribution & Withdrawal Strategies |
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| Contribution & Withdrawal Approach for Cash, Pensions & Investments |
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| Specify Cash Emergency Fund & Withdrawal Buffer |
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| Set Contribution Limit to Show 'Spend vs Save' Behaviour |
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| Select 'Automatic' Investment Contribution & Withdrawal Strategies |
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| Specify 'Custom' Investment Contributions and Withdrawals |
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| Select 'Automatic' Reinvestments of DC Pensions to use up income tax allowances/bands |
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| Select 'Automatic' Reinvestments of Taxable Investments to use up CGT allowance |
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| Select 'Automatic' Reinvestments of excess Cash Savings |
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| Specify 'Custom' Reinvestments ('Bed & ISA', 'Bed & SIPP', inter-partner, etc |
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| Pension Options & Allowances |
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| Specify Start Year and Type of 'Automatic' DC Pension Withdrawals (UFPLS or Tax-Free Cash) |
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| Specify Crystallisations (to Tax Free Cash, Flexible Income Drawdown, Guaranteed Income (Annuity) and Taxable Cash Lump Sum) |
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| Defer Start Year of 'Automatic' Drawdown Withdrawals |
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| Switch from Drawdown to Guaranteed Income (Annuity) in Later Life |
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| Specify Protected Lump Sum / Lifetime Allowance |
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| Specify Transitional Tax-Free Amount / Lifetime Allowance Previously Used Amount |
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| Specify MPAA Already Triggered |
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| Prevent 'Automatic' Investment Contributions to DC Pensions Projected Above the Lump Sum / Lifetime Allowance |
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| Other Incomes |
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| Child Benefit |
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| Child Benefit |
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| Guaranteed Incomes (Annuities) |
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| Current/Future Lifetime Pension Annuities |
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| Current/Future Purchased Life Annuities (PLA) |
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| Specify Annuity Details (Single/Joint, Level/Escalating, Purchase Rate) |
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| Other Incomes |
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| Current/Future Incomes |
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| Multiple Incomes |
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| Taxable/Tax-free Incomes |
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| One-off and Recurring Incomes |
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| Specify Income Durations |
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| Expenses |
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| Expenses |
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| Current Lifestyle Expenses |
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| Multiple Phases of Future Lifestyle Expenses at Different Spending Levels |
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| One-off and Recurring Expenses Linked to Life Events |
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| Gifts |
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| Cash Gifts to Individuals |
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| Cash Gifts to Charities (Gift Aid) |
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| One-off and Recurring Cash Gifts |
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| Economic & Tax Assumptions |
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| Default Inflation, Return and Tax Assumptions from Official Sources |
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| Override Default Inflation Rates |
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| Override Default Investment Returns & Savings Rates |
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| Override Tax Rates for Possible Future Policy Changes |
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| Override Indexation of Tax Allowances, Limits & Thresholds for Possible Future Policy Changes |
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| Apply Marriage Allowance (from Non-taxpayer to Taxpayer) |
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| Apply Alternative Allocation of Allowances to Taxable Income |
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| Reinstate Lifetime Allowance & LTA Charge to Reflect Possible Future Policy Change |
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| Specify Brought-forward Annual Allowances for Pension Investment |
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| Default Tax Assumptions based on UK Tax Rules (including Scottish / Welsh Income Tax) |
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| Calculate Projection |
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| Calculate Deterministic Projection for Lifetime Income, Expenses, Assets & Debts |
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| Calculate Lifetime Investment Contributions & Withdrawals Based on Selected Strategies |
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| Calculate Lifetime Taxes (Individuals & Partners) |
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| Calculate Inheritance Between Partners |
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| Calculate Legacy |
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| Tax Calculations |
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| Income Tax |
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| Earnings & Property |
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| Savings & Dividends |
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| Pension Tax Relief, Allowances & Charges |
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| High Income Child Benefit Charge |
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| Residential Property Finance Costs Relief |
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| National Insurance |
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| Employment Class 1A |
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| Self-employment Classes 2, 4 |
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| Capital Gains Tax |
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| Investments |
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| Residential Property (with Private Residence Relief) |
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| Chattels |
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| Business Asset Disposal (BAD) Relief |
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| Stamp Duty (SDLT) |
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| English / N Irish SDLT on Downsized Home (not Scottish LBTT / Welsh LTT) |
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| Inheritance & Estate Tax |
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| Estate Value Calculation |
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| Spouse/Civil Partner Exemption (1st death) |
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| Agricultural/Business Property Relief (APR/BPR) (on death) |
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| Transferable NRB and Residence NRB (RNRB) (2nd death) |
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| RNRB Downsizing Addition (2nd death) |
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| Successive Charges Relief (2nd death) |
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| Annual Gift Exemption & Potentially Exempt Transfers (PETs) |
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| Estate Tax (Income & Capital Gains) |
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| Review & Analyse Results |
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| Charts (Desktop) |
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| Summary Lifetime Expense Funding Projection |
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| Detailed Expense Funding Projection |
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| Assets & Debts (Lifetime view in Basic) |
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| Income, Expense & Taxes |
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| Withdrawals & Contributions |
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| All Cashflows |
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| Charts (Mobile) |
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| Summary Lifetime Expense Funding Projection |
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| Assets & Debts (Lifetime view) |
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| Metrics & Analysis (Desktop) |
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| Overall Plan Value including Shortfall & Legacy (Lifetime view in Basic) |
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| Overall Income & Expense Metrics |
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| Key Question Feedback |
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| Suggested Next Steps to Investigate Shortfalls |
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| Detailed Year-by-Year Chart Data Table |
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| Comparison of Charts and Metrics between Two Plans |
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| Summary of Plan Inputs |
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| Yearly Tax Return Summary |
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| Estate & Inheritance Tax Summary |
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| Metrics & Analysis (Mobile) |
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| Lifetime Shortfall Feedback |
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| Support |
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| Help Centre |
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| Planning Guide |
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| Demo Plans |
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| Email Technical Support |
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| Security |
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| Two-Factor Authentication (2FA) |
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