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Mr Sample A
pdfpweb0007-pcrs-sample-discussion-aid.pdf
Everything we know
Clean source information is ready to use. Review the sections needing your attention.
Client✓ Verified
Source · page 1
client.name: Mr Sample A
Adviser information● Information needed
Please complete: Name, Firm.
Review period✓ Verified
Source · page 1
review.startDate: 2025-07-30
Source · page 1
review.endDate: 2026-07-29
Plans and values! Review suggested
The source document contains conflicting plan values.
- Source total
- £126,037.42
- Sum of plan opening values
- £144,037.42
Review the highlighted “Value at review start” fields below.
Source · page 1
totals.valueAtReviewStart: 126037.42
Source · page 1
totals.valueAtReviewEnd: 169451.17
Source · page 1
totals.growthOverReview: 22713.56
Source · page 1
totals.growthSinceStartAmount: 28396.19
Money in✓ Verified
Source · page 1
totals.clientContributions: 2780.51
Source · page 1
totals.taxRelief: 695.19
Source · page 1
totals.profitShare: 232.54
Money out✓ Verified
Source · page 2
totals.withdrawals: 0
Charges● Information needed
Please complete: Annual management charge.
Royal London annual management charge
Information neededWaiting for plan values to be confirmed.
Charge shown in discussion aid: £682.95
Opening values don't reconcile. Source total: £126,037.42. Sum of plan values: £144,037.42.
Enter annual management charge %
Your entered charge remains in use until you choose “Use standard calculation”. Review it when the plan or review period changes.View calculation details
- Combined value at start
- £144,037.42
- Combined value at end
- £169,451.17
- Estimated average value
- Not available
- Review period
- 364 elapsed days / 365.25
- Standard AMC
- Not calculated
- Estimated review-period charge
- Not available
- Discussion-aid provider charge
- £682.95
- Difference
- Not calculated
- Validation tolerance
- 5%
Royal London Pension and ISA plans only. Account components are included in their plan total, never added again. Adviser fees and transaction costs are excluded.
Discount levels may increase annually and charging thresholds may change.
Income Release / integrated drawdown can affect the applicable discount.
Additional charges may apply to investments held in external funds.
Contributions, withdrawals, value movements and charging events are simplified into a linear average.
Effective dates were not supplied; this is a prototype validation mechanism, not a production charging engine.
Source · page 2
totals.providerCharges: 682.95
Source · page 2
totals.adviserCharges: 775.51
Source · page 2
totals.transactionCosts: 130.61
Allowances✓ Verified
Source · page 1
allowances.pensionAnnualAllowance: 60000
Source · page 1
allowances.pensionReceived: 976.51
Source · page 1
allowances.pensionExpected: 2700.09
Source · page 1
allowances.pensionRemaining: 56323.4
Source · page 1
allowances.isaAllowance: 20000
Source · page 1
allowances.isaReceived: 0
Source · page 1
allowances.isaExpected: 0
Source · page 1
allowances.isaRemaining: 20000
Source · page 2
allowances.lumpSumAllowanceUsed: 40214.06
Source · page 2
allowances.lumpSumAllowanceRemaining: 228060.94
Source · page 2
allowances.individualLumpSumAllowance: 268275
Source · page 2
allowances.estimatedRemainingPCLS: 1280.4
Remaining money in allowances only include Royal London products and do not include tapering or carry forward allowances.
Investments✓ Verified
Asset allocation● Information needed
Please complete: Asset allocation.
Loading saved investment sources...
Previous review allocation
Current source: No allocation supplied
Attitude to risk● Information needed
Please complete: Attitude to risk, Risk assessment date.
Beneficiaries✓ Verified
Retirement goals○ Optional information missing
No optional information supplied.
Retirement goals were not included in the discussion aid. Add them if you want them shown in the report.
Retirement modelling! Review suggested
The source specifies a zero-value one-off withdrawal in this stress test. It adds no extra withdrawal; check the intended scenario before using it as a large-withdrawal illustration.
Source · page 4
retirement.planningAge: 90
Source · page 4
retirement.chanceOfLivingToPlanningAgePercent: 25
Source · page 4
retirement.successProbabilityPercent: 100
Source · page 4
retirement.assumptions.regularWithdrawals: 0
Source · page 4
retirement.assumptions.moneyBasis: Nominal terms
Source · page 4
retirement.result: Ahead
Source · page 4
retirement.moneyRemainingTodayValue: 302585.44
Source · page 4
retirement.futureMoneyOutTodayValue: 4836.09
Source · page 5
retirement.isaProjectionAssumptions.contributionAssumption: No regular contributions
Source · page 5
retirement.isaProjectionAssumptions.withdrawalAssumption: No regular withdrawals
Source · page 5
retirement.isaProjectionAssumptions.lowRatePercent: 1.9
Source · page 5
retirement.isaProjectionAssumptions.midRatePercent: 4.9
Source · page 5
retirement.isaProjectionAssumptions.highRatePercent: 7.9
Source · page 4
retirement.targetRangeMinPercent: 75
Source · page 4
retirement.targetRangeMaxPercent: 85
Source · page 4
retirement.planAchievableToAge: 100
Source · page 4
retirement.chanceOfLivingToAchievableAgePercent: 1
Source · page 4
retirement.estimatedMoneyLeftAtPlanningAge: 541835.64
Source · page 4
retirement.estimatedFutureMoneyOut: 5000
Source · page 5
retirement.isaProjectionLow: 22800
Source · page 5
retirement.isaProjectionMid: 29800
Source · page 5
retirement.isaProjectionHigh: 38700
Meeting notes and agreed actions✓ Verified
No optional information supplied.
Extraction notes
Other source information · technical details
Total money in since plans started is £165,689.58 including £232.54 from ProfitShare award.
Page 1 · money-in · The canonical model has no lifetime money-in field.
Total money in over this review period is £3,708.24. Pension money in is £3,677.95. Stocks and Shares ISA money in is £30.29.
Page 1 · money-in · Report money-in totals are derived from the separately recorded source components.
Total growth over review period 12.49%; total growth since start (annualised) 12.23%.
Page 1 · growth · No combined percentage fields; preserve separately from source growth amounts and plan percentages.
The current ongoing adviser charge is 0.5% on all money for pension and 0.75% for all money for Stocks and Shares ISA.
Page 2 · adviser-charges · No plan-level adviser percentage field; do not substitute these for provider AMC.
Total money out over this review period is £1,458.46. Pension money out is £1,299.02. Stocks and Shares ISA money out is £159.44.
Page 2 · money-out · Source includes charges in money out; retain separately from zero client withdrawals.