Retire at 60? Overpay the mortgage? Gift the deposit?
The big questions every UK household chews over for years. The Decision Engine
turns each one into a structured record — assumptions, scenarios, trade-offs,
consequences, notes, review date — so you can see why a choice looked sensible
at the time.
A horizontal year-by-year horizon: mortgage end, kids' milestones, retirement,
pension freedoms, ISA windows, estate events. Drag-to-reschedule any event and
the rest of the picture reshapes.
06 - Decision Engine
Model the choice.
Every big decision broken into 7 steps: question - assumptions - scenarios - projection - trade-offs - consequences - notes.
07 - Ask
Plain English. FCA boundary.
Type a question. Get a clear answer grounded in your numbers, with the line drawn cleanly between information and advice.
— What-if scenarios
Ask the big questions. Get options back.
Three of the most-asked UK household questions. The Decision Engine takes your situation,
computes the numbers against current UK tax rules, lays out four honest paths with their
trade-offs, and picks an optimal with a reversal condition. The sample below shows how it
thinks — plain English, real numbers, every claim tied to a named rule. Click
Generate for your situation to run it live on your inputs.
Your situation
— Sample: 62, £600k pension, £25k other income, £1.4M estate
Pension pot
£600k
Other income
£25k/yr
Age
62
Income target
£40k/yr
Total estate
£1.4M
The rules that shape the answer
The 25% rule
A quarter of any UK pension can be taken tax-free. On £600k that's £150,000. Once taken, it sits in your bank — not in the pension's tax shelter.
The £12,570 free zone
The first £12,570 of income each year is tax-free (the Personal Allowance). Above it: 20% to £50,270, then 40%. From age 67 your State Pension fills nearly all of this.
The April 2027 change
From 6 April 2027, what's left in your pension at death goes into your estate for Inheritance Tax (40% above your allowances). Today it's outside. This changes the order you should draw.
Option A — Take the 25% lump sum now, then keep drawing from the pension. The first 25% of your pension is paid out tax-free. On £600k that's £150,000 in your bank account. You then take another £15,000/year from the rest using flexible drawdown — each withdrawal is 25% tax-free plus 75% taxable, so £3,750 is tax-free and £11,250 is added to your taxable income. Combined with your £25k other income that £11,250 sits in the 20% basic-rate band, costing about £2,250 income tax a year. The catch most people miss: the moment you take any taxable pension income (this withdrawal does), a separate rule called the Money Purchase Annual Allowance kicks in — your future pension contribution limit drops from £60,000 to just £10,000 a year, for life. Second catch: the £150,000 is now in your bank account. From 6 April 2027 the pension you didn't take stays sheltered from Inheritance Tax — but the £150,000 you did take doesn't. If you die after 75, your kids pay 40% Inheritance Tax on what's left of it, on top of income tax on any remaining pension drawdown. Trade-off: cash certainty today, but you've blocked future pension top-ups and pulled £150k into the Inheritance Tax net unnecessarily.
Option B — Take small slices each year, year by year. Don't take a lump. Each year, take a portion of the pot — each portion gives 25% tax-free plus 75% taxable. Size each portion so the taxable bit fills the gap between your £25,000 other income and the higher-rate threshold of £50,270. That's £25,270 of basic-rate room each year. So you'd take £33,700 a year from the pension: £8,425 tax-free + £25,270 added to taxable income. Tax bill: 20% of £25,270 = £5,054/year. Your total household income lands around £58k, of which ~£8,400 is tax-free. The rest of the pot keeps growing inside its tax shelter. From age 67 your State Pension (£12,547.60/yr in 2026/27) takes up almost all your £12,570 free zone, so you'd reduce the pension drawdown to keep total tax flat. The same Money Purchase Annual Allowance restriction triggers as Option A — future contributions capped at £10k/yr. Trade-off: the most tax-efficient drawdown over 20+ years, but the un-drawn pot still falls into the April 2027 Inheritance Tax net at death.
Option C — Live off your ISAs first; leave the pension alone until State Pension Age. If your household has at least £100,000 in Individual Savings Accounts (ISAs) and cash, spend that first. Money in an ISA is already tax-free to withdraw at any age. Run £40,000/year off the ISA balance for the five years from 62 to 67. Zero income tax. The pension is never touched, so the Money Purchase Annual Allowance is never triggered — your future contribution allowance stays at the full £60,000 (useful if you might top up later). The pension keeps compounding inside its full shelter — and crucially, inside the Inheritance Tax shelter until 6 April 2027. At 7% growth, your £600k becomes roughly £835k by the time you're 67. From 67, layer in State Pension + small phased drawdown to top up to £40k. Because the pension has grown untouched, every future drawdown comes from a much larger base. Trade-off: needs the ISA bridge to exist. If you have less than £100k in ISAs plus cash, this option only works partially — you'd fall back to Option B sooner than 67.
Option D — Add a charity gift to your will (on top of B or C). This isn't a drawdown choice — it's a will change. Independent of how you draw the pension, if you leave at least 10% of your net estate (estate value minus your Inheritance Tax allowances) to a registered UK charity, the Inheritance Tax rate on the rest drops from 40% to 36%. For your £1.4M estate, after using £1M of joint allowances (the standard £650k + the home-to-children £350k for a married couple), £400k is taxable. At 40% that's £160k Inheritance Tax. At 36% it's £144k. The charity gets £40k, your kids lose £16k less in tax than they would have. Add gifts out of surplus income — if you have unspent income (you're drawing £40k and spending less), regular documented gifts to family are immediately outside your estate with no 7-year wait (this is the "gifts out of normal expenditure" rule, Inheritance Tax Act 1984 section 21). Plus the £3,000/year annual gift exemption per donor. Trade-off: only "free" if you'd have left to charity anyway. Otherwise it's a transfer from your kids to a charity.
Option E — Buy a fixed-income annuity at 67 with part of the pot. A different shape entirely. At 67, instead of drawdown, use £200,000 of the pension to buy an annuity that pays you ~£10,000–£11,000/year for life (2026 rates for a 67-year-old, single life, no inflation linking). Combined with State Pension (£12,547) that gives £22,500+/year guaranteed for life, and £35k/year safely with a small drawdown top-up. The remaining £635k stays invested. Why consider this: removes the risk of running out of money if you live to 95. Why not: the £200k is gone — your beneficiaries lose it; current rates lock in for life, even if rates rise later; no inflation protection unless you pay for it (cuts the £/year by ~25%). Trade-off: longevity insurance, at the cost of optionality and family inheritance.
View 1 of 4 — side-by-side comparison
A: Lump now
B: Slow drip
C: ISA first ✓
D: + Charity
E: Annuity
Income tax (year 1)
£2,250
£5,054
£0
£0
£0 (yrs 62–67)
Future top-ups blocked?
Yes (£10k cap)
Yes (£10k cap)
No
No
No
Pension at age 67
£330k
£440k
£835k
£835k
£835k
April 2027 IHT exposure
£140k
£120k
£160k
£144k (36%)
~£80k
Family receives at year 25
£760k
£890k
£1.06M
£1.12M
£780k
View 2 of 4 — estimated net wealth to family at year 25 (after income tax + April 2027 Inheritance Tax)
A: Lump now
£760k
B: Slow drip
£890k
C: ISA first ✓
£1.06M
C + D
£1.12M
E: Annuity
£780k
View 3 of 4 — household wealth trajectory, ages 62 to 87
A: Lump nowB: Slow dripC: ISA first ✓D: C + CharityE: Annuity
View 4 of 4 — annual income tax bill across 25 years
Option C pays nothing for the first 5 years (living off the ISA — already tax-free). From 67, the State Pension fills most of the £12,570 free zone, so the drawdown only triggers a small bill (~£3k/yr). Option B starts at £5k/yr from day one. Option A pays £2.25k/yr, but the £150k lump exposes you to Inheritance Tax later — which won't show on this chart.
When does the answer change?
You live to 95, not 87
Option E (annuity) becomes more attractive — guaranteed income for life. Without it, Option C still wins but the gap to E narrows.
April 2027 rules tighten further
If the Inheritance Tax rate rises (it's been higher historically), Option D's charity layer becomes a £20k+ saving — currently £16k.
You need £60k/yr not £40k
Option C breaks first (ISA depletes by year 4 not year 5). You'd switch to phased drawdown earlier, paying ~£8k/yr income tax.
See the full plan →Illustrative Scenario: Option C (spending tax-free Individual Savings Account savings first) until age 67, then Option B (phased flexi-access drawdown) from age 67, with Option D's charity bequest added to your will now. Spend your Individual Savings Accounts (ISAs) and savings for the next 5 years — zero income tax, pension grows untouched, no future-contribution penalty triggered. At age 67, switch to small phased withdrawals alongside your State Pension. Update your will this year with a 10% charity bequest — if you were going to give to charity anyway, it costs your family nothing extra and saves £16k+ in Inheritance Tax. Reversal conditions: if your ISA + cash is under £100k, drop to Option B from day one. If you specifically need the £150k lump (debts, children's deposit, care provision), Option A is defensible — but only for the part you genuinely need. If longevity worries you (family history of long life, single income), layer in Option E's annuity at age 67 with £150–200k of the pot for guaranteed income.
How we know these numbers (UK rules in plain English):
The first £12,570 of income each year is tax-free (the Personal Allowance, frozen until April 2031). Income above £50,270 is taxed at 40% (the higher rate). A quarter of any UK pension is paid out tax-free up to a lifetime cap of £268,275 (the Lump Sum Allowance, which replaced the old Lifetime Allowance in April 2024). Taking taxable pension income triggers a permanent restriction called the Money Purchase Annual Allowance — your future pension contributions are capped at £10,000/year for life. The State Pension is £241.30/week in 2026/27 (£12,547.60/year). State Pension Age rises from 66 to 67 in stages between 6 April 2026 and 5 April 2028. From 6 April 2027, undrawn pension funds enter your estate for Inheritance Tax (the Finance Act 2026 change). If you die after 75, beneficiaries also pay income tax on inherited pension drawdowns at their marginal rate — combined with Inheritance Tax this can reach 67%. Leaving 10% or more of your net estate to a registered UK charity drops the Inheritance Tax rate on the rest from 40% to 36% (Inheritance Tax Act 1984 Schedule 1A). Regular gifts to family from surplus income are immediately outside your estate with no waiting period (Inheritance Tax Act 1984 section 21). Plus a £3,000/year annual gift exemption per donor. HMRC form P55 lets you reclaim overpaid tax on your first pension drawdown.
Information and guidance only. Not regulated financial advice. For your actual situation, run the live generator above or speak to an FCA-authorised adviser.
You're a UK couple, 55, with a £1.2M estate, and you've decided to leave. You picked Spain, planning to stay 10 years. The right question isn't "should I leave" — it's how to leave well. Spain has 17 autonomous regions and the tax bill varies wildly between them. The UK doesn't release its grip on inheritance tax for 10 years after you go. And one detail that catches almost everyone: Spain does not recognise the UK's tax-free relief on selling your main home, so the order of "sell house" vs "become Spanish resident" matters by tens of thousands. Four paths.
Option A — Move to Spain, the tax-optimal way. Settle in Madrid or Andalucía. Both regions apply a 100% bonificación on Spanish Wealth Tax — meaning the headline 0.2–3.5% wealth tax on assets above €700k effectively becomes 0% for you. A first thing most movers don't realise: the Beckham Law is for inbound employed workers, not retirees. You'll be on a Non-Lucrative Visa (NLV), which makes you a full standard Spanish tax resident — Spanish progressive income tax of 19–47% on your worldwide income. Under the UK–Spain Double Tax Agreement, Spain taxes your UK private pension drawdown (UK Government Service pensions stay UK). You pay Spanish income tax on the drawdown; UK gives a Foreign Tax Credit to avoid double taxation, so effectively you pay the higher of the two systems. Critical sequencing: sell your UK home before Spanish residency starts. Spain has no split-year regime — if you spend 183+ days in Spain in a calendar year, you're a Spanish resident from 1 January of that year, backdated. Sell after that and Spanish CGT (19–28%) applies because Spain doesn't recognise UK Principal Private Residence relief. Modelo 720 reporting kicks in for foreign assets over €50,000 in each category — submit it, the penalties are harsh. Trade-off: lifestyle + sunshine; effective wealth tax 0% in Madrid/Andalucía; you'll pay more income tax than in the UK but it's manageable.
Option B — Move to Spain, but settle in the wrong region. Same Non-Lucrative Visa, same UK–Spain DTA. But Cataluña, Valencia, Comunitat Valenciana, Asturias and several others charge Spanish Wealth Tax in full. On your £1.2M estate (about €1.4M), held jointly, Spain's €700k-per-person threshold means roughly €0–700k of taxable wealth depending on the split. Annual wealth tax bill: £3,000–£10,000 a year, every year, on top of income tax. On a 10-year stay that's £30k–£100k of pure region-choice tax — for no lifestyle gain over Madrid. Plus all the same Modelo 720 paperwork. Trade-off: identical to Option A in everything except an avoidable £30k–£100k tax bill from settling in a region with no bonificación.
Option C — Move to the UAE instead. If the goal is genuine tax relief, the UAE offers zero personal income tax, zero wealth tax, no inheritance tax. You'll need a residence visa (often via a property purchase from £150k, or a retirement visa from age 55 with proof of $1M assets). You become UK tax non-resident after meeting the Statutory Residence Test thresholds. The UK Government will continue to collect IHT on your UK estate for 10 years post-move under the long-term residence test (LTR — UK resident for at least 10 of the prior 20 tax years), but income tax on your UK pension stops once you're non-resident under the DTA. Important catches: the UAE follows Sharia-influenced estate law by default, so you need an explicit non-Muslim will registered with the DIFC Wills Service Centre. NHS access stops the moment you become non-resident — buy private health cover, mandatory in the UAE anyway. Pension lump sums: the 25% PCLS is still UK-tax-free; further drawdowns are taxed in the UK only for the first 5 years after you leave (anti-temporary-non-residence rules). After 5 years non-resident, the UAE has no income tax to apply, so you draw the pension genuinely tax-free. Trade-off: biggest tax saving of all options; but very different climate, culture, and you lose NHS plus EU access.
Option D — Stay UK (for comparison only). You've already decided to leave, so this isn't the recommendation — it's the cost reference. If you stayed: £1.2M estate sits about £200k above your joint £1M allowance (£650k NRB + £350k RNRB for a married couple leaving the main home to descendants). IHT exposure ≈ £80k at 40%. The 6 April 2027 pension-IHT change adds more if you have undrawn pensions. Costs incurred: no setup costs, no Modelo 720, no learning curve. This is the bill you'd skip by going. Trade-off: simplest path. Forfeits all the lifestyle and (for UAE) tax benefits.
See the full plan →Illustrative Scenario: Option A — Spain, settled in Madrid or Andalucía. If lifestyle is the priority and you've decided to leave the UK, Madrid or Andalucía gives you the warmth, the culture, and effectively 0% wealth tax (saving £30–100k over 10 years vs Cataluña). Sell your UK home before you become Spanish-resident — order of transactions matters by tens of thousands of pounds to protect your Principal Private Residence (PPR) capital gains tax relief. File Modelo 720 asset reporting properly. Expect to pay UK + Spanish income tax with foreign-tax-credit relief. Reversal condition: if pure tax efficiency outweighs lifestyle fit, switch to Option C (UAE) — genuinely no income, wealth, or inheritance tax, but very different living. If you can't commit to a Spanish region that has the 100% wealth tax discount, don't go to Spain at all — Cataluña or Valencia (Option B) is the same relocation effort for £30–100k more tax.
Sources: UK NRB £325,000, RNRB £175,000, IHT 40% rate, UK Long-Term Residence test 10-of-20 (from 6 April 2025), UK Statutory Residence Test (anti-temporary-non-residence rules), UK–Spain Double Tax Agreement (2014), Spanish Wealth Tax Ley 19/1991 (regional bonificaciones: Madrid + Andalucía 100%, others variable), Spanish Solidarity Tax on Large Fortunes (ISGF) €3M threshold, Spanish ISD progressive 7.65–34%, Modelo 720 Ley 7/2012, Spanish 183-day residency rule (no split year, backdated to 1 January), UAE no personal income tax (no DTA limitations from 2017), DIFC Wills Service Centre (non-Muslim will registration).
Information and guidance only. Not regulated financial advice. Cross-border moves need both UK and destination-country tax advice.
Your situation
— Sample: family, current £550k home, looking at £750k upsize, household income £130k
You currently own a £550,000 home with £250,000 still on the mortgage. You want to move to a £750,000 house. You have £100,000 savings and your household earns £130,000/year. The deciding factors aren't whether you can afford the move — at 3.5× income on a £450k mortgage, you can — but how to structure it so HMRC doesn't take a £37,500 chunk you didn't need to give them. Four paths.
Option A — Sell your current home, buy the new one outright. Stamp Duty Land Tax on the £750k purchase (you're a non-first-time buyer, replacing your main home): £0 on the first £250k, then 5% on the £250k–£925k band = £25,000 SDLT. Sale proceeds from your current home: £550k minus £250k mortgage = £300k equity. Add your £100k savings, subtract roughly £30k in legal fees, agent fees, and moving costs. New mortgage needed: £750k − £370k = £380k mortgage, though many add the SDLT and aim for £450k. At £130k household income, a £450k mortgage is 3.5× income — well inside what lenders will accept and what's comfortable to service. Crucially: the £550k sale is fully covered by Principal Private Residence Relief — no Capital Gains Tax because it's been your main home throughout. RNRB (Residence Nil-Rate Band) stays intact for whenever you eventually pass the new home to children. Trade-off: simplest possible tax position. Mortgage payments go up, but everything else gets cleaner.
Option B — Keep current home as a buy-to-let; bigger mortgage on the new one. On completion day, you own two dwellings. SDLT becomes £25,000 base + 5% Additional Dwelling Supplement on the entire £750k (not just the bit above £250k). That ADS is £37,500. Total SDLT: £62,500 — £37,500 more than Option A. Your old home gets remortgaged as a BTL for £250k. Your new home's mortgage needs to be £650k (you didn't release any equity from the old home). Combined mortgage debt: £900k. Gross rent on a £550k London-area home is roughly £24k/yr. After mortgage interest (£11k), management fees, repairs and voids, you're at ~£9k net rental profit. But: Section 24 (Finance (No.2) Act 2015, fully effective since 2020/21) restricts how higher-rate landlords can offset mortgage interest. You can no longer deduct mortgage interest from rental profit before paying tax — instead you get a 20% basic-rate credit on the interest. On your £130k income (40% marginal), you pay 40% income tax on £24k gross rent (less letting expenses, but not less interest), with a 20% credit on the £11k interest. Net after tax: roughly £2–3k a year — a poor return on £550k of trapped equity. Plus future Capital Gains Tax exposure: when you eventually sell the BTL, only the years it was your main home get PPR — the BTL years are CGT-liable. Trade-off: two appreciating assets; £37.5k SDLT pain upfront with no path to recovery; Section 24 strangles the yield; £900k of mortgage debt on £130k income (7× — uncomfortable).
Option C — Bridging loan: buy first, sell after. A closed bridge of ~£500k for 6–12 months while your current home goes through the chain. Typical 2026 rate: 8–11% pa, plus 1–2% arrangement fee. Six months at 9% on £500k = £22,500 interest + £5,000 arrangement = £27,500 cost. SDLT is initially paid with the 5% ADS (£62,500) — but you can reclaim the £37,500 ADS within 12 months of selling your old main home, provided the sale completes within 36 months of buying the new one. So end-state SDLT matches Option A's £25k. Trade-off: protects against chain collapse; £27.5k cost is real and non-recoverable; if the housing market wobbles and the sale slips beyond the 36-month window, you lose the ADS reclaim and effectively pay Option B's SDLT.
Option D — Delay 2–3 years. Save aggressively (£25–35k/year on £130k income is realistic), watch interest rates, wait for the kids' school years to stabilise. In 2028–29 you'd have £175–200k in savings, your current home will have appreciated (rough 3%/yr), and the £750k house will also have moved. The new mortgage requirement might be £350k instead of £450k. Could a £100k extension to your current home buy you the same lifestyle change for a quarter of the cost? Trade-off: zero SDLT now; opportunity cost on the new home's price appreciation. If the goal is more space and you have the option to extend, this is the cheapest path by far.
A: Sell + Buy ✓
B: Keep + BTL
C: Bridge
D: Delay
SDLT today
£25,000
£62,500
£62,500 (reclaim £37.5k)
£0
New mortgage
£450k (3.5× income)
£650k + £250k BTL = £900k (7×)
£450k + £500k bridge
n/a yet
Cashflow comfort
Tight, manageable
Strained
Tight + £27.5k bridge cost
Comfortable
Section 24 hit
N/A
~£6k/yr tax penalty
N/A
N/A
10-yr net wealth impact
+£265k (PPR clean)
+£160k (rental + CGT drag)
+£230k (minus bridge cost)
+£120k (foregone uplift)
Risk profile
Low (chain only)
High (rates, vacancy, S24)
Medium (sale timing)
Low; future price risk
Visual: estimated 10-year net wealth impact (£, after tax + cashflow + transaction costs)
A: Sell + Buy ✓
+£265k
B: Keep + BTL
+£160k
C: Bridge
+£230k
D: Delay
+£120k
See the full plan →Illustrative Scenario: Option A — sell current, buy outright. The buy-to-let math (Option B) only works if you can stomach a high 7× mortgage-to-income ratio AND accept Section 24 landlord tax rules strangling your rental yield AND pay £37.5k of avoidable Additional Dwelling Supplement Stamp Duty. Bridging finance (Option C) only makes sense if there's a real risk of a chain collapse — the £27.5k bridging cost is a year's worth of wealth growth. Option A protects Principal Private Residence (PPR) relief (meaning zero Capital Gains Tax on the sale), keeps one mortgage, lands inside safe affordability, and saves £37,500 versus Option B from day one. Reversal conditions: if you must move before selling (job, school deadline, divorce), Option C is defensible. If a £100k extension to the current home would solve the underlying space need, Option D wins by a wide margin. If you specifically want exposure to a second appreciating property and can sustain the cashflow, Option B becomes tenable — but you are swapping certainty for complexity.
Sources: SDLT 2026/27 bands (HMRC SDLT manual, single residential property; £0 on first £250k, 5% on £250k–£925k, 10% on £925k–£1.5M, 12% above), Additional Dwelling Supplement 5% (from 31 October 2024), ADS reclaim window 36 months / 12 months from sale (FA 2003 s116), Section 24 mortgage interest restriction (Finance (No. 2) Act 2015 / fully effective 2020/21), Principal Private Residence relief (TCGA 1992 s222–226), Residence Nil-Rate Band £175,000, FCA Mortgage Market Review affordability rules.
Information and guidance only. Not regulated financial advice. Mortgage decisions need an FCA-authorised adviser; tax decisions on BTL need a qualified tax adviser.
- Sample decision - Sonu
How the Decision Engine reasons.
A worked example of a multi-turn conversation. The user asks a real question;
Sonu - our in-product assistant - answers with numbers, surfaces options,
ranks them, and respects the FCA boundary throughout. No live demo backend; a
static illustration with the actual interaction pattern.
Welcome back. What would you like to think through
Sonu - ready
M
Should I overpay my mortgage by £500/month, or put it in my ISA
You - just now
Pulled your numbers. Mortgage £180k at 4.5%, 13 years left. ISA allowance this year £14k unused. Emergency fund 3.2 months (target is 6).
Three options, ranked by financial benefit over 5 years:
A - Mixed
+£11.6k
B - ISA only
+£8.2k
C - Overpay only
+£4.8k
Option A wins by £3.4k vs ISA-only AND repairs your emergency buffer - currently your weakest risk dimension.
Sonu - drawing from MyMoney + Cashflow + Risk
M
What about flexibility I might need cash unexpectedly.
You
Good catch. ISA is liquid - you can withdraw anytime. Mortgage overpayments aren't refundable without remortgaging.
If flexibility matters more than maximum gain, tilt Option A: keep £500/month split as £300 ISA + £200 emergency fund until your buffer hits 6 months. Then redirect £200 to the mortgage.
Want me to save this as a fourth scenario and track it from this month
Sonu - info: information & guidance, not regulated advice
Decision saved - "Mortgage vs ISA - split allocation". Tracking enabled.
- The 7-step Decision Engine
Every decision in the same shape.
Every big decision Sonuswealth helps you think through goes through the same
7 steps. Same structure for "should I retire at 60" as for "should I overpay
my mortgage" - so the answers are comparable, repeatable, and reviewable.
STEP 01
The question
Stated cleanly. No jargon. Editable as you refine the thinking.
STEP 02
Assumptions
What we're treating as true. Each one toggleable, with the source flagged.
STEP 03
Scenarios
Variants of the answer - "do nothing", "best case", "stress case", your custom.
STEP 04
Projection
Cashflow, tax, risk re-run under each scenario. Charts paired with sentences.
STEP 05
Trade-offs
What you lose by gaining the gain. What you risk by avoiding the risk.
STEP 06
Consequences
Knock-on effects across other surfaces - Tax, Estate, Risk, Cashflow.
STEP 07
Notes & review
Your own notes. Decision saved with a review date. Returns when relevant.
FCA BOUNDARY
Information, not advice.
Every output respects the line. We tell you what's true, not what to do.
“Every decision in the same shape. So a choice you made at 45 still makes sense at 60.”
