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Full report selected8 source report sections includedReady to generate the client document.5 information sections still need review. This is a draft.
Your complete review, including supporting information and approved commentary.
NC
Annual Client Review30/07/2025 – 29/07/2026
PERSONALISED CLIENT REVIEWYour annual
Your annual
review
Mr Sample A
30/07/2025 – 29/07/2026
NewCo
Prepared by
Your plans
Pension · 1000000001A
Stocks and Shares ISA · 1000000001J
Current savings£169,451
Review growth£22,714
Retirement modelling100.00%
NC
Annual Client Review30/07/2025 – 29/07/2026
YOUR REVIEW · A GUIDE
What’s inside
Your plans, your investments and the next steps agreed with your adviser.
04–06
Money in & money out
07–08
Your investments
09
Protecting your future
10
Charges you've paid
11–16
Planning ahead
17
Useful information about your provider
NC
Annual Client Review30/07/2025 – 29/07/2026
YOUR ANNUAL REVIEW
Your retirement savings
Your savings at the end of the review, with growth and a comparison of your plan values.
Pension
Royal London · Started 26/03/2025
- Current value
- £147,907
- Review growth
- +£21,078.31 / +16.80%
- Growth since start
- 16.28%
- Income Release Account
- £142,786
- Savings Account
- £5,122
Stocks and Shares ISA
Royal London · Started 27/11/2025
- Current value
- £21,544
- Review growth
- +£1,635.25 / +8.19%
- Growth since start
- 8.19%
- Total savings
- £169,451
- Total review growth
- £22,713.56
- Total growth since start
- £28,396.19
Opening valueEnd value
Pension1000000001A
£124,037£147,907
16.80%Stocks and Shares ISA1000000001J
£20,000£21,544
8.19%| Plan | Start value | End value | Growth | Portfolio |
|---|---|---|---|---|
| Pension | £124,037.42 | £147,907.17 | 16.80% | Governed Portfolio Enhanced |
| Stocks and Shares ISA | £20,000.00 | £21,544.00 | 8.19% | Governed Portfolio Enhanced |
NC
Annual Client Review30/07/2025 – 29/07/2026
YOUR ANNUAL REVIEW
Money in & money out
Money in during review£3,708.24Client and employer contributions, tax relief and ProfitShare
Charges taken during review£1,458.46Provider and ongoing adviser charges
Withdrawals during review£0.00
| Plan | Client contributions | Tax relief | ProfitShare | Withdrawals | Provider charges | Adviser charges |
|---|---|---|---|---|---|---|
| Pension | £2,780.51 | £695.19 | £202.25 | £0.00 | £614.76 | £684.26 |
| Stocks and Shares ISA | £0.00 | £30.29 | £0.00 | £68.19 | £91.25 |
Pension annual allowance remaining£56,323
ISA subscription allowance remaining£20,000
NC
Annual Client Review30/07/2025 – 29/07/2026
ALLOWANCES
Your allowances
The amounts recorded for your plans, shown alongside the available allowance.
Pension annual allowance£60,000.00
Received / used£976.51Expected£2,700.09Remaining£56,323.40
ISA subscription allowance£20,000.00
Received / used£0.00Expected£0.00Remaining£20,000.00
Individual lump sum allowance£268,275.00
Received / used£40,214.06Remaining£228,060.94
See the following page for the detailed amounts and scope notes.
NC
Annual Client Review30/07/2025 – 29/07/2026
ALLOWANCES
Your allowances in detail
The amounts recorded for your plans, shown alongside the available allowance.
| Allowance | Total | Received / used | Expected | Remaining |
|---|---|---|---|---|
| Pension annual allowance | £60,000.00 | £976.51 | £2,700.09 | £56,323.40 |
| ISA subscription limit | £20,000.00 | £0.00 | £0.00 | £20,000.00 |
| Individual lump sum allowance | £268,275.00 | £40,214.06 | £228,060.94 |
Estimated remaining tax-free lump sum: £1,280.40
Remaining money in allowances only include Royal London products and do not include tapering or carry forward allowances.
NC
Annual Client Review30/07/2025 – 29/07/2026
YOUR ANNUAL REVIEW
Your investments
Pension · Governed Portfolio Enhanced
Rebalancing: Monthly · Funds: 13 · Portfolio management changes: 21
Current investment holdings
| Fund | Allocation | Current value |
|---|---|---|
| RLP Global Managed | 66.94% | £99,009.06 |
| RLP Real Assets | 10.85% | £16,047.93 |
| RLS UK Government Bond | 4.07% | £6,019.82 |
| RLS Commodity | 3.25% | £4,806.98 |
| RLS Deposit | 3.07% | £4,540.75 |
| RLS UK Index Linked | 3.00% | £4,437.22 |
| RLS UK Corporate Bond | 3.00% | £4,437.22 |
| RLS Global High Yield Bond | 2.27% | £3,357.49 |
| RLS Global Government Bond | 1.26% | £1,863.63 |
| RLS Global Senior ABS Fund | 0.94% | £1,390.33 |
| RLS Short Duration Global High Yield | 0.54% | £798.70 |
| RLS Global Corporate Bond | 0.50% | £739.54 |
| RLS Global Mezzanine ABS Fund | 0.31% | £458.51 |
| Listed holdings subtotal | 100.00% | £147,907.18 |
Plan value: £147,907.17
Fund values are calculated from the plan value and allocation. Individual amounts are rounded to pennies.
NC
Annual Client Review30/07/2025 – 29/07/2026
YOUR ANNUAL REVIEW
Your investments (continued)
Stocks and Shares ISA · Governed Portfolio Enhanced
Rebalancing: Monthly · Funds: 13 · Portfolio management changes: 1
Current investment holdings
| Fund | Allocation | Current value |
|---|---|---|
| RLP Global Managed | 66.94% | £14,421.55 |
| RLP Real Assets | 10.85% | £2,337.52 |
| RLS UK Government Bond | 4.07% | £876.84 |
| RLS Commodity | 3.25% | £700.18 |
| RLS Deposit | 3.07% | £661.40 |
| RLS UK Index Linked | 3.00% | £646.32 |
| RLS UK Corporate Bond | 3.00% | £646.32 |
| RLS Global High Yield Bond | 2.27% | £489.05 |
| RLS Global Government Bond | 1.26% | £271.45 |
| RLS Global Senior ABS Fund | 0.94% | £202.51 |
| RLS Short Duration Global High Yield | 0.54% | £116.34 |
| RLS Global Corporate Bond | 0.50% | £107.72 |
| RLS Global Mezzanine ABS Fund | 0.31% | £66.79 |
| Listed holdings subtotal | 100.00% | £21,543.99 |
Plan value: £21,544.00
Fund values are calculated from the plan value and allocation. Individual amounts are rounded to pennies.
NC
Annual Client Review30/07/2025 – 29/07/2026
YOUR ANNUAL REVIEW
Protecting your future
Review the people you would like to benefit from your pension savings, alongside the arrangements for your other plans.
Current pension savings£147,907.17
TB
Test BenSpouse · Client Discretion
10.00%BT
Ben TestChild · Client Discretion
90.00%Keep nominations current
Beneficiary nominations guide the provider when deciding who may receive pension benefits after death. They should be reviewed when family or personal circumstances change.
Your ISA arrangements
Discuss your ISA and estate arrangements with your adviser so that your wishes and plan details can be reviewed together.
NC
Annual Client Review30/07/2025 – 29/07/2026
YOUR ANNUAL REVIEW
Charges you've paid
Provider / plan charges
£682.95
Ongoing adviser charges
£775.51
Transaction costs
£130.61
| Plan | Provider charges | Adviser charges | Transaction costs |
|---|---|---|---|
| Pension | £614.76 | £684.26 | £116.26 |
| Stocks and Shares ISA | £68.19 | £91.25 | £14.35 |
NC
Annual Client Review30/07/2025 – 29/07/2026
YOUR ANNUAL REVIEW
Planning ahead
100.00%successful scenarios
Above target range
Retirement modelling
The source modelling target range is 75.00%–85.00%.
The source modelling shows a plan achievable to age 100.
Plan achievable to age100
Chance of living to that age1.00%
Potential loss in a bad year14.92%
Probability of beating inflation93.30%
| Measure | Value |
|---|---|
| Estimated money left at age 90 | £541,836 |
| Chance of living to age 100 | 1.00% |
NC
Annual Client Review30/07/2025 – 29/07/2026
SOURCE MODELLING · ILLUSTRATIONS
Retirement modelling assumptions
These are source illustrations and modelling assumptions. They do not establish agreed client goals or a recommendation.
| Measure | Value |
|---|---|
| Planning age | 90 |
| Chance of living to planning age | 25.00% |
| Regular withdrawals | £0.00 |
| Money basis | Nominal terms |
| Success target range | 75.00% – 85.00% |
| Current result | Above target range |
| Money remaining in today’s terms | £302,585.44 |
| Future money out | £5,000.00 |
| Future money out in today’s terms | £4,836.09 |
Modelled one-off withdrawals
Events shown by the ages used in the model. These are illustrations, not agreed withdrawal instructions.
Age 60
£5,000.00
Taxable one-off withdrawal
Model planning horizon: age 90
NC
Annual Client Review30/07/2025 – 29/07/2026
SOURCE MODELLING · ILLUSTRATIONS
Investment risk comparisons
These are source illustrations and modelling assumptions. They do not establish agreed client goals or a recommendation.
| Measure | Less risk · GP Growth | Current risk · GP Enhanced | More risk · GP Dynamic |
|---|---|---|---|
| Average annual growth | 5.78% | 6.09% | 6.56% |
| Potential loss in a bad year | 13.28% | 14.92% | 18.10% |
| Probability of beating inflation | 93.60% | 93.30% | 90.60% |
| Probability of beating cash | 90.60% | 89.10% | 85.90% |
| Potential fall in prolonged poor markets | 22.48% | 26.31% | 32.63% |
NC
Annual Client Review30/07/2025 – 29/07/2026
SOURCE MODELLING · ILLUSTRATIONS
Retirement stress tests
These are source illustrations and modelling assumptions. They do not establish agreed client goals or a recommendation.
Large withdrawal
One-off withdrawal of £0.00 at age 61. All money out is assumed to be in Nominal terms.
The source uses a zero-value withdrawal for this stress test, so it adds no extra withdrawal. Its results do not illustrate the impact of taking a larger lump sum.
| Measure | Value |
|---|---|
| Successful scenarios | 100.00% |
| Money remaining | £541,836.00 |
| Future money out | £5,000.00 |
| Achievable to age | 100 |
| Chance of living to this age | 1.00% |
| Result | Ahead |
NC
Annual Client Review30/07/2025 – 29/07/2026
SOURCE MODELLING · ILLUSTRATIONS
Retirement stress tests
These are source illustrations and modelling assumptions. They do not establish agreed client goals or a recommendation.
Inflation linked income
Increasing planned contributions and withdrawals to keep pace with inflation. All money in and out is assumed to be in nominal terms.
| Measure | Value |
|---|---|
| Successful scenarios | 100.00% |
| Money remaining | £557,055.00 |
| Future money out | £5,052.00 |
| Achievable to age | 100 |
| Chance of living to this age | 1.00% |
| Result | Ahead |
NC
Annual Client Review30/07/2025 – 29/07/2026
SOURCE MODELLING · ILLUSTRATIONS
Annuity and ISA illustrations
These are source illustrations and modelling assumptions. They do not establish agreed client goals or a recommendation.
Open-market annuity illustrations
| Basis | Market rate | Annual income |
|---|---|---|
| Level Single life | 7.23% | £10,688.04 |
| Level Joint life | 6.64% | £9,821.04 |
| Escalating Single life | 5.15% | £7,615.92 |
| Escalating Joint life | 4.57% | £6,757.56 |
ISA projections
No regular contributions · No regular withdrawals
| Assumption | Growth rate | Projected value |
|---|---|---|
| Low | 1.90% | £22,800.00 |
| Mid | 4.90% | £29,800.00 |
| High | 7.90% | £38,700.00 |
NC
Annual Client Review30/07/2025 – 29/07/2026
YOUR ANNUAL REVIEW
Useful information about your provider
i
Your provider
Royal London
Useful information to keep with your annual review.
1
Investment values can rise and fall. You may receive less than you invested.
2
Refer to your provider’s current plan documents for product terms and charges.
Important prototype disclosure
This is a prototype draft for adviser review, not financial advice or a document for customer distribution.