{"info":{"_postman_id":"1f7385ad-4a86-d86e-3c96-0a254023fa90","name":"fact-find-ui","schema":"https://schema.getpostman.com/json/collection/v2.0.0/collection.json","toc":[],"description":"","owner":"2226685","collectionId":"1f7385ad-4a86-d86e-3c96-0a254023fa90","publishedId":"RWTssG8G","public":true,"customColor":{"top-bar":"FFFFFF","right-sidebar":"303030","highlight":"EF5B25"},"publishDate":"2018-08-28T15:27:27.000Z"},"item":[{"name":"/v1/statement-of-fact?capability=retirement","id":"16da7348-8115-db30-39e8-c067c55f7109","request":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"retirement__income_objectives\": \"These are some old objectives\",\n \"_id\": \"bS89o2knhd29sadbbSFahd\",\n \"active_products\": [\n \"rpp\"\n ],\n \"investment_experience__response\": {\n \"raw_score\": 10,\n \"score\": 1,\n \"profile\": \"Limited\",\n \"alerts\": [\n \"financial_easy_to_understand_score_low\",\n \"not_little_investing_score_low\"\n ]\n },\n \"atr__response\": {\n \"calculated_profile\": \"confident\",\n \"alerts\": [\n \"prefers_safer_but_high_atr\",\n \"prefers_bank_deposits_but_high_atr\",\n \"concerned_about_volatility_but_high_atr\",\n \"too_many_middle_atr_answers\"\n ]\n },\n \"a2risk__anxious_about_decisions\": \"no_opinion\",\n \"a2risk__comfortable_investing\": \"no_opinion\",\n \"a2risk__concerned_about_volatility\": \"no_opinion\",\n \"a2risk__describe_as_cautious\": \"agree\",\n \"a2risk__investment_easy_to_understand\": \"no_opinion\",\n \"a2risk__little_investment_experience\": \"no_opinion\",\n \"a2risk__long_time_to_decide\": \"no_opinion\",\n \"a2risk__prefer_bank_deposits\": \"no_opinion\",\n \"a2risk__prefer_high_risk_investments\": \"no_opinion\",\n \"a2risk__prefer_safer_investments\": \"no_opinion\",\n \"a2risk__risk_equals_opportunity\": \"no_opinion\",\n \"a2risk__willing_to_risk\": \"no_opinion\",\n \"applicant_state_pension_date\": \"2037-12-31\",\n 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\"single\",\n \"income__where_registered\": \"england_wales_ni\",\n \"income__currently_working\": \"no\",\n \"retirement__income_start_date\": \"2017-01-02\",\n \"retirement__income_sufficient_until_rd\": \"yes\",\n \"retirement__lump_sum_date\": \"2017-01-02\",\n \"retirement__pensions__registered_outside_uk\": \"no\",\n \"retirement__protection\": {\n \"fixed_protection_2012\": true,\n \"enhanced_protection\": true\n },\n \"retirement__sharing\": \"yes\",\n \"dependants__have_partner\": \"yes\",\n \"dependants__benefits_to_non_partner\": \"no\",\n \"retirement__lifetime_allowance\": \"no\",\n \"property__own_home\": \"yes_me_only\",\n \"property__market_value\": 320000,\n \"property__mortgaged\": \"yes\",\n \"investments__has_investments\": \"yes\",\n \"investments\": [\n {\n \"investment_type\": \"cash_savings\",\n \"provider\": \"ABC\",\n \"description\": \"every day savings\",\n \"asset_value\": 1000,\n \"generates_income\": \"no\"\n },\n {\n \"investment_type\": \"isa\",\n \"provider\": \"DEF\",\n \"description\": \"Cash ISA\",\n \"asset_value\": 5000,\n \"generates_income\": \"no\"\n }\n ],\n \"retirement_income\": [\n {\n \"type\": \"universal_credit\",\n \"description\": \"UC\",\n \"amount\": 209,\n \"amount_interval\": \"monthly\",\n \"start_date\": \"2016-12-13\",\n \"has_end_date\": \"no\",\n \"taxable\": \"yes\"\n }\n ],\n \"income__means_tested_benefits\": \"no\",\n \"health__applicant__self_assessment\": \"good\",\n \"health__applicant__current_smoker\": \"yes\",\n \"health__applicant__on_two_or_more_medications\": \"no\",\n \"health__applicant__height_cm\": 175,\n \"health__applicant__weight_kg\": 74,\n \"health__applicant__waist_cm\": 81,\n \"investment_experience__types__bank_or_savings\": \"yes\",\n \"investment_experience__types__national_savings\": \"no\",\n \"investment_experience__types__cash_isas\": \"yes\",\n \"investment_experience__types__endowment\": \"yes\",\n \"investment_experience__types__shares_isa\": \"yes\",\n \"investment_experience__types__portfolio\": \"yes\",\n \"investment_experience__types__trusts\": \"yes\",\n \"investment_experience__general\": \"no\",\n \"retirement_flexibility__defer_income\": \"no\",\n \"retirement_flexibility__work_more\": \"yes\",\n \"retirement_flexibility__other_resources\": \"no\",\n \"retirement_flexibility__family_support\": \"yes\",\n \"retirement_flexibility__reduce_income\": \"no\",\n \"financial_resilience__work_restricted\": \"no\",\n \"financial_resilience__occupation\": \"homemaker\",\n \"income__current_year_gross_income_to_date_is_estimated\": \"yes\",\n \"income__current_year_gross_income_to_date\": 500,\n \"debts__has_debts\": \"yes\",\n \"debts\": [\n {\n \"type\": \"hire_purchase\",\n \"description\": \"Lakehouse\",\n \"lender\": \"Natwest\",\n \"amount_owed\": 100,\n \"monthly_repayment\": 10,\n \"early_repayment_penalty\": \"no\",\n \"max_interest_rate\": \"5\",\n \"paid_off_date_known\": \"no\",\n \"owner\": \"applicant\"\n }\n ],\n 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\"further_contributions_regular_amount\": \"yes\",\n \"regular_monthly_contribution\": 456456,\n \"comfortably_afford\": \"yes\",\n \"type\": \"investment\",\n \"employer_provider\": \"Abbey Life\",\n \"policy_number\": \"456\",\n \"sharing\": \"yes\",\n \"guaranteed_rate_annuity\": \"yes\",\n \"guaranteed_rate_details_annuity\": 456456,\n \"guaranteed_rate_minimum\": \"yes\",\n \"guaranteed_rate_details_minimum\": 456456,\n \"early_penalty_amount\": 456456,\n \"further_contributions_lump_sums\": \"yes\",\n \"lump_sum_contributions\": [\n {\n \"date\": \"2044-01-01\"\n },\n {\n \"amount\": 55555,\n \"date\": \"2055-01-01\"\n }\n ]\n },\n {\n \"include_in_advice\": \"yes\",\n \"drawdown_facility\": \"yes\",\n \"lump_sum_or_income_taken\": \"yes\",\n \"tax_free_can_exceed_25\": \"yes\",\n \"transfer_value\": 7890,\n \"fund_value\": 7890,\n \"with_profits\": \"yes\",\n \"market_value_reduction\": \"yes\",\n \"early_penalty\": \"yes\",\n \"further_contributions\": \"yes\",\n 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\"means_tested\": \"yes\"\n },\n {\n \"type\": \"db_pension\",\n \"lump_sum\": 12000,\n \"gross_amount\": 10000,\n \"frequency\": \"annual\",\n \"start_date\": \"2020-10-11\",\n \"owner\": \"applicant\",\n \"amount_assumed\": \"yes\",\n \"name\": \"British Airways\"\n },\n {\n \"type\": \"state_benefit\",\n \"subtype\": \"employment_and_support_allowance\",\n \"means_tested\": \"yes\",\n \"has_end_date\": \"no\",\n \"gross_amount\": 120,\n \"frequency\": \"weekly\",\n \"owner\": \"dependant\",\n \"in_payment_since_april\": \"yes\",\n \"start_date\": \"2019-04-01\"\n },\n {\n \"type\": \"state_pension\",\n \"gross_amount\": 152.5,\n \"frequency\": \"weekly\",\n \"owner\": \"applicant\",\n \"start_date\": \"2019-07-27\"\n }\n ],\n \"incomes__future\": [\n {\n \"type\": \"state_pension\",\n \"start_date\": \"2022-01-01\",\n \"gross_amount\": 165,\n \"frequency\": \"weekly\",\n \"owner\": \"applicant\"\n }\n ],\n \"capital_needs__when\": \"specific_date\",\n \"income_objectives__no_income_requirement\": \"no\",\n \"income_objectives__when__why\": \"You want your income to start between the ages of 67 and 75. 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\"income_preferences__level_or_escalating\": \"escalating\",\n \"income_preferences__level_or_escalating__why\": \"You have a preference for an escalating income.\",\n \"income_preferences__level_or_escalating__importance\": \"preference\",\n \"income_preferences__level_or_escalating__rate\": \"max_afford\",\n \"income_preferences__death_benefits\": \"yes\",\n \"income_preferences__death_benefits__lump_sum\": \"yes\",\n \"income_preferences__death_benefits__lump_sum__why\": \"You have a preference to leave a lump sum to your partner.\",\n \"income_preferences__death_benefits__income\": \"no\",\n \"income_preferences__death_benefits__income__why\": \"You have a preference to leave an income to your dependant, to meet their essential expenditure.\",\n \"capital_needs__now_objective\": \"\",\n \"capital_needs__none\": \"no\",\n \"income_objectives__when\": \"age\",\n \"capital_needs__future\": [],\n \"dependants__could_support\": \"no\",\n \"inheritance__significant_amount_expected\": \"no\",\n \"income__continue_working_consider\": \"yes\",\n \"fulfilment_charge_payment_method\": \"pay_from_pension_pot\",\n \"capital_needs__now\": [\n {\n \"amount\": 10000,\n \"reason\": \"pay_off_mortgage\",\n \"reason_text\": \"\"\n },\n {\n \"amount\": 10000,\n \"reason\": \"pay_off_other_debts\"\n }\n ],\n \"dependants__include_partner_details\": \"yes\",\n \"dependants__partner_relationship\": \"civil_partner\",\n \"dependant__title\": \"dr\",\n \"dependant__first_name\": \"Chris\",\n \"dependant__last_name\": \"Christy\",\n \"dependant__gender\": \"f\",\n \"dependant__dob\": \"1958-05-16\",\n \"form_coupler__address\": \"yes\",\n \"dependant__postcode\": \"TN16 4WS\",\n \"dependant__address_line_1\": \"9788 Quigley Spur\",\n \"dependant__address_line_2\": \"West Aaronton\",\n \"dependant_state_pension_date\": \"2037-12-31\",\n \"dependant__us_citizen\": \"no\",\n \"dependant__where_registered\": \"england_wales_ni\",\n \"income__partner_tax_status\": \"none\",\n 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Statement of Fact

About You

Applicant Basic

Your titleMr

Your first nameShaun

Your last nameLe Test

Your post codeCV34 6RT

Address line 1Unit 8

Address line 2Athena Court

Address line 3 (optional)Warwick

Address line 4 (optional)Warwickshire

Your email address (optional)tester@test.com

Your phone number0987655433

Your date of birth30/01/1950

Your genderMale

Your national insurance number (optional)1234545

Applicant Other

Are you a US Citizen, either in full or as dual citizenship? No

Where are you registered to pay income tax? UK (excluding Scotland)

Do you have a spouse or partner?No

Your marital statusSingle

Capital

Do you own your own home?Yes - owned by me outright

Do you have any additional properties?Yes

Do you have any savings/investments?Yes

Do you expect a significant inheritance in retirement?Yes

Main property

Basic

What is it worth?£250,000

Do you have a mortgage on your home?No

Would you be prepared to downsize to fund your retirement?No

Additional property

Add New Property

Investments

Add New Investment

Inheritance

Pensions

Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

Are any of your pensions registered outside of the UK?No

wr – £415,000

Basic

Who's the pension provider?wr

What's the policy/plan number?1234

What is the current value?£415,000

Do you want to take tax free cash and/or income from this pension plan now?Yes

Have you already taken any income or tax free cash from this pension plan?No

Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Guarantees

Are you invested in a with-profits fund?No

Are you entitled to more than 25% tax free cash?No

Is there a guaranteed annuity rate?No

Is there a guaranteed minimum pension?No

Features

Are there any charges/penalties for accessing the benefits now?No

Does your pension plan offer a drawdown facility?No

Is this pension plan subject to a "pension sharing" or "earmarking order" following divorce?No

Add New Pension

Income

Current tax year

Gross income received since the start of this tax year£159.95

Ongoing

Are you currently working?Yes

Are you currently receiving, or do you plan to receive in the future, any income from Defined Benefit Pensions?No

State pension

When will you receive your State Pension? Enter today's date if you already receive it.30/01/2018

How much do/will you receive each week?£159.95

Employment income

Please select your current occupation type / employment statusManagers, directors or senior officials

What is your gross monthly pay?£1,000

How many hours per week are you currently working?35

Are you planning to continue working after you start taking your pension income or tax free cash?No

Expenditure

Do you have any debts?No

What is your current monthly expenditure?£1,500

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping.

Retirement needs

Income

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1,000/month

Monthly budget calculator

How much discretionary monthly income would you like in addition to the above? (optional)£5,001/month

How much income per year would you like in retirement?

£72,012/year

When do you plan to start taking your pension income?30/01/2018

Income add-ons

Do you have any other dependants who you would like to get an income from your pension if you died?No

Tax-free cash

Retirement priorities

I want my pension fund specifically for my retirementI want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my lifeI want to make changes to my retirement income in the future if my circumstances change

I want to maintain the future buying power of my income, and accept that my initial income might be lowerI want a higher income in the early years of my retirement, and accept that future buying power of my income might fall

I want certainty of future income for lifeI'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

I want the certainty now of knowing how much income for life I'll getI want the flexibility to be able to delay locking in to an income for life, and understand there is some uncertainty about what amount of income I will be able to lock into in the future

Health

Applicant's Health

How would you rate your health?Good

Have you ever smoked?No

Do you take 2 or more daily medications for a long term health issue?No

Risk profile

Attitude to risk

People who know me would describe me as a cautious person.

Strongly disagreeStrongly agree

I feel comfortable about investing in the stock market.

Strongly disagreeStrongly agree

I generally look for safer investments, even if that means lower returns.

Strongly disagreeStrongly agree

Usually it takes me a long time to make up my mind on investment matters.

Strongly disagreeStrongly agree

I associate the word "risk" with the idea of "opportunity".

Strongly disagreeStrongly agree

I generally prefer bank deposits to riskier investments.

Strongly disagreeStrongly agree

I find investment matters easy to understand.

Strongly disagreeStrongly agree

I'm willing to take substantial investment risk to earn substantial returns.

Strongly disagreeStrongly agree

I've little experience of investing in stocks, shares, or investment funds.

Strongly disagreeStrongly agree

I tend to be anxious about the investment decisions I've made.

Strongly disagreeStrongly agree

I'd rather take my chances with higher risk investments than have to save more.

Strongly disagreeStrongly agree

I'm not comfortable with the ups and downs of stock market investments.

Strongly disagreeStrongly agree

Investment experience

Have you ever put money into any of the following:

Savings account with a bank or building societyYes

National Savings productYes

Cash ISAsYes

With-profits, endowments or investment bondsYes

Personal pensions, workplace pensions or stocks and shares ISAsYes

OEICs, unit trusts, investment trusts or self-invested pensionsYes

Directly into shares listed on a stock marketYes

Are you familiar with the general principles of investing, such as diversification, asset allocation and market volatility? Yes

Additional information

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Statement of Fact

About You

A few more basic details about your customer

* Your titleMr

* Your first nameShaun

* Your last nameLe Test

* Your post codeCV34 6RT

* Address line 1Unit 8

* Address line 2Athena Court

Address line 3Warwick

Address line 4Warwickshire

* Your email addresstester@test.com

* Your phone number0987655433

* Your date of birth

30/01/1950

Age: 68 years, 2 months

* Your genderMale

* Your national insurance number1234545

* Are you a US Citizen, either in full or as dual citizenship? No

* Where are you registered to pay income tax? UK (excluding Scotland)

* Do you have a spouse or partner?No

* Your marital statusSingle

Capital

Main property

* Do you own your own home?Yes - owned by me outright

* What is it worth?£250000

* Do you have a mortgage on your home?No

* Would you be prepared to downsize to fund your retirement?No

Your additional home

* Do you have any additional properties?Yes

Investments

* Do you have any savings/investments?Yes

Add

Inheritance

* Do you expect a significant inheritance in retirement?Yes

* Can you estimate the amount of inheritance you will receive?£0

Income

Employment income

* Are you currently working?Yes

* Please select your current occupation type / employment statusManagers, directors or senior officials

* What is your monthly take home pay?£1000

* How many hours per week are you currently working?35

* Are you planning to continue working after you start taking your pension income or tax free cash?No

* Would you consider going back to work in retirement?Not answered

State pension

* When will you receive your State Pension? Enter today's date if you already receive it.

30/01/2018

* How much do/will you receive each week?£159.95

The state pension became available for Shaun Le Test on the 30th January 2015
Age: 65 years

DB Pensions income

* Are you currently receiving, or do you plan to receive in the future, any income from DB Pensions?No

Capital income

Other income

* Do you have any other income?Not answered

Pensions

* Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

* Are any of your pensions registered outside of the UK?No

Pension 1

* Who's the pension provider?wr

What's the policy/plan number?1234

* Do you want to take tax free cash and/or income from this pension now?Yes

* Is this pension subject to a "pension sharing" or "earmarking order" following divorce?No

* Have you already taken any income or tax free cash from this pension?No

* What's the current value of your pension fund?£415000

* Are you invested in a with-profits fund?No

* Are you entitled to more than 25% tax free cash?No

* Does this pension have a guaranteed annuity rate?No

* Does this pension have a guaranteed minimum pension?No

* Is there a charge or penalty for choosing to access your pension now?No

* Does your scheme offer a drawdown facility?No

* Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Expenditure

Debt

* Debts include loans, credit cards, hire purchases, store cards, etc

* Do you have any debts?No

* What is your current monthly expenditure?£1500

Retirement needs

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1000

Open Budget Planner

How much discretionary monthly income would you like in addition to the above?£5001

* How much income per year would you like in retirement?£72012

Calculate

* When do you plan to start taking your pension income?

30/01/2018

* How much tax free cash (lump sum) do you want to take from your funds (typically up to 25%)?0%

* Do you have any other dependants who you'd like to get an income from your pension if you died?No

* Could your spouse or other family member support you, if circumstances required?Not answered

Future Lump Sum Needs

You do not have any future lump sum needs

Add

Retirement priorities

I want my pension fund specifically for my retirement

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to make changes to my retirement income in the future if my circumstances change

I want to maintain the future buying power of my income, and accept that my initial income might be lower

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want a higher income in the early years of my retirement, and accept that future buying power of my income might fall

I want certainty of future income for life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

I want the certainty now of knowing how much income for life I'll get

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want the flexibility to be able to delay locking in to an income for life, and understand there is some uncertainty about what amount of income I will be able to lock into in the future

Health

* How would you rate your health?Good

* Your height

0cm

* Your weight

0kg

* Have you ever smoked?No

* Do you take 2 or more daily medications for a long term health issue?No

Start Health Questionnaire

Attitude to risk

* People who know me would describe me as a cautious person.Disagree

* I feel comfortable about investing in the stock market.Agree

* I generally look for safer investments, even if that means lower returns.Disagree

* Usually it takes me a long time to make up my mind on investment matters.Agree

* I associate the word "risk" with the idea of "opportunity".Agree

* I generally prefer bank deposits to riskier investments.Disagree

* I find investment matters easy to understand.Agree

* I'm willing to take substantial investment risk to earn substantial returns.Agree

* I have little experience of investing in stocks and shares.Disagree

* I tend to be anxious about the investment decisions I've made.Disagree

* I'd rather take my chances with higher risk investments than increase the amount I'm saving.Agree

* I'm concerned by the volatility of stock market investments.Disagree

Calculate ATR

Calculated Profile: Adventurous

Your selected profile:5 - Adventurous

In general, as an Adventurous Investor you are happy to take on investment risk and understand that this is crucial in terms of generating higher long-term return. You are willing to take risk with most of your available assets. You will readily take risk where they see the potential rewards as being attractive.

Suitable investments usually include equities and property. Cash, money market investments and high quality bonds would normally not be suitable except for very short investment durations.

Typically, but not always, as an Adventurous Investor you may have the following characteristics:

You will usually be able to make up your mind on investment matters quickly. You usually do not suffer from regret to any great extent and can accept occasional poor outcomes without much difficulty.
You have high levels of investment knowledge and keep up to date on investment issues.
You will usually be an experienced investor, having used a range of investment products in the past.

Investment experience

Which of the following savings and investment products are you familiar with, either through your own market knowledge or your experience of holding them?

* Bank or Building Society SavingsYes

* National SavingsYes

* Cash ISAsYes

* With profits, endowments or Investment BondsYes

* Stocks and shares ISA, or Personal PensionYes

* OEICs, Unit Trusts, Investment Trusts or SIPPsYes

* A portfolio of stocks and sharesYes

* Are you familiar with the general principles and features of medium to long term investing such as diversification, asset allocation and market volatility?Yes

Calculate Investment Experience

Additional information

Please enter your additional information here

Add

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Statement of Fact

About You

Applicant Basic

Your titleMr

Your first nameShaun

Your last nameLe Test

Your post codeCV34 6RT

Address line 1Unit 8

Address line 2Athena Court

Address line 3 (optional)Warwick

Address line 4 (optional)Warwickshire

Your email address (optional)tester@test.com

Your phone number0987655433

Your date of birth30/01/1950

Your genderMale

Your national insurance number (optional)1234545

Applicant Other

Are you a US Citizen, either in full or as dual citizenship? No

Where are you registered to pay income tax? UK (excluding Scotland)

Do you have a spouse or partner?No

Your marital statusSingle

Capital

Do you own your own home?Yes - owned by me outright

Do you have any additional properties?Yes

Do you have any savings/investments?Yes

Do you expect a significant inheritance in retirement?Yes

Main property

Basic

What is it worth?£250,000

Do you have a mortgage on your home?No

Would you be prepared to downsize to fund your retirement?No

Additional property

Add New Property

Investments

Add New Investment

Inheritance

Pensions

Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

Are any of your pensions registered outside of the UK?No

wr – £415,000

Basic

Who's the pension provider?wr

What's the policy/plan number?1234

What is the current value?£415,000

Do you want to take tax free cash and/or income from this pension plan now?Yes

Have you already taken any income or tax free cash from this pension plan?No

Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Guarantees

Are you invested in a with-profits fund?No

Are you entitled to more than 25% tax free cash?No

Is there a guaranteed annuity rate?No

Is there a guaranteed minimum pension?No

Features

Are there any charges/penalties for accessing the benefits now?No

Does your pension plan offer a drawdown facility?No

Is this pension plan subject to a "pension sharing" or "earmarking order" following divorce?No

Add New Pension

Income

Current tax year

Gross income received since the start of this tax year£159.95

Ongoing

Are you currently working?Yes

Are you currently receiving, or do you plan to receive in the future, any income from Defined Benefit Pensions?No

State pension

When will you receive your State Pension? Enter today's date if you already receive it.30/01/2018

How much do/will you receive each week?£159.95

Employment income

Please select your current occupation type / employment statusManagers, directors or senior officials

What is your gross monthly pay?£1,000

How many hours per week are you currently working?35

Are you planning to continue working after you start taking your pension income or tax free cash?No

Expenditure

Do you have any debts?No

What is your current monthly expenditure?£1,500

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping.

Retirement needs

Income

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1,000/month

Monthly budget calculator

How much discretionary monthly income would you like in addition to the above? (optional)£5,001/month

How much income per year would you like in retirement?

£72,012/year

When do you plan to start taking your pension income?30/01/2018

Income add-ons

Do you have any other dependants who you would like to get an income from your pension if you died?No

Tax-free cash

Retirement priorities

I want my pension fund specifically for my retirementI want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my lifeI want to make changes to my retirement income in the future if my circumstances change

I want certainty of future income for lifeI'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

Health

Applicant's Health

How would you rate your health?Good

Have you ever smoked?No

Do you take 2 or more daily medications for a long term health issue?No

Risk profile

Attitude to risk

People who know me would describe me as a cautious person.

Strongly disagreeStrongly agree

I feel comfortable about investing in the stock market.

Strongly disagreeStrongly agree

I generally look for safer investments, even if that means lower returns.

Strongly disagreeStrongly agree

Usually it takes me a long time to make up my mind on investment matters.

Strongly disagreeStrongly agree

I associate the word "risk" with the idea of "opportunity".

Strongly disagreeStrongly agree

I generally prefer bank deposits to riskier investments.

Strongly disagreeStrongly agree

I find investment matters easy to understand.

Strongly disagreeStrongly agree

I'm willing to take substantial investment risk to earn substantial returns.

Strongly disagreeStrongly agree

I've little experience of investing in stocks, shares, or investment funds.

Strongly disagreeStrongly agree

I tend to be anxious about the investment decisions I've made.

Strongly disagreeStrongly agree

I'd rather take my chances with higher risk investments than have to save more.

Strongly disagreeStrongly agree

I'm not comfortable with the ups and downs of stock market investments.

Strongly disagreeStrongly agree

Investment experience

Have you ever put money into any of the following:

Savings account with a bank or building societyYes

National Savings productYes

Cash ISAsYes

With-profits, endowments or investment bondsYes

Personal pensions, workplace pensions or stocks and shares ISAsYes

OEICs, unit trusts, investment trusts or self-invested pensionsYes

Directly into shares listed on a stock marketYes

Are you familiar with the general principles of investing, such as diversification, asset allocation and market volatility? Yes

Additional information

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Statement of Fact

About You

A few more basic details about your customer

* Your titleMr

* Your first nameShaun

* Your last nameLe Test

* Your post codeCV34 6RT

* Address line 1Unit 8

* Address line 2Athena Court

Address line 3Warwick

Address line 4Warwickshire

* Your email addresstester@test.com

* Your phone number0987655433

* Your date of birth

30/01/1950

Age: 68 years, 2 months

* Your genderMale

* Your national insurance number1234545

* Are you a US Citizen, either in full or as dual citizenship? No

* Where are you registered to pay income tax? UK (excluding Scotland)

* Do you have a spouse or partner?No

* Your marital statusSingle

Capital

Main property

* Do you own your own home?Yes - owned by me outright

* What is it worth?£250000

* Do you have a mortgage on your home?No

* Would you be prepared to downsize to fund your retirement?No

Your additional home

* Do you have any additional properties?Yes

Investments

* Do you have any savings/investments?Yes

Add

Inheritance

* Do you expect a significant inheritance in retirement?Yes

* Can you estimate the amount of inheritance you will receive?£0

Income

Employment income

* Are you currently working?Yes

* Please select your current occupation type / employment statusManagers, directors or senior officials

* What is your monthly take home pay?£1000

* How many hours per week are you currently working?35

* Are you planning to continue working after you start taking your pension income or tax free cash?No

* Would you consider going back to work in retirement?Not answered

State pension

* When will you receive your State Pension? Enter today's date if you already receive it.

30/01/2018

* How much do/will you receive each week?£159.95

The state pension became available for Shaun Le Test on the 30th January 2015
Age: 65 years

DB Pensions income

* Are you currently receiving, or do you plan to receive in the future, any income from DB Pensions?No

Capital income

Other income

* Do you have any other income?Not answered

Pensions

* Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

* Are any of your pensions registered outside of the UK?No

Pension 1

* Who's the pension provider?wr

What's the policy/plan number?1234

* Do you want to take tax free cash and/or income from this pension now?Yes

* Is this pension subject to a "pension sharing" or "earmarking order" following divorce?No

* Have you already taken any income or tax free cash from this pension?No

* What's the current value of your pension fund?£415000

* Are you invested in a with-profits fund?No

* Are you entitled to more than 25% tax free cash?No

* Does this pension have a guaranteed annuity rate?No

* Does this pension have a guaranteed minimum pension?No

* Is there a charge or penalty for choosing to access your pension now?No

* Does your scheme offer a drawdown facility?No

* Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Expenditure

Debt

* Debts include loans, credit cards, hire purchases, store cards, etc

* Do you have any debts?No

* What is your current monthly expenditure?£1500

Retirement needs

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1000

Open Budget Planner

How much discretionary monthly income would you like in addition to the above?£5001

* How much income per year would you like in retirement?£72012

Calculate

* When do you plan to start taking your pension income?

30/01/2018

* How much tax free cash (lump sum) do you want to take from your funds (typically up to 25%)?0%

* Do you have any other dependants who you'd like to get an income from your pension if you died?No

* Could your spouse or other family member support you, if circumstances required?Not answered

Future Lump Sum Needs

You do not have any future lump sum needs

Add

Retirement priorities

I want my pension fund specifically for my retirement

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to make changes to my retirement income in the future if my circumstances change

I want to maintain the future buying power of my income, and accept that my initial income might be lower

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want a higher income in the early years of my retirement, and accept that future buying power of my income might fall

I want certainty of future income for life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

I want the certainty now of knowing how much income for life I'll get

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want the flexibility to be able to delay locking in to an income for life, and understand there is some uncertainty about what amount of income I will be able to lock into in the future

Health

* How would you rate your health?Good

* Your height

0cm

* Your weight

0kg

* Have you ever smoked?No

* Do you take 2 or more daily medications for a long term health issue?No

Start Health Questionnaire

Attitude to risk

* People who know me would describe me as a cautious person.Disagree

* I feel comfortable about investing in the stock market.Agree

* I generally look for safer investments, even if that means lower returns.Disagree

* Usually it takes me a long time to make up my mind on investment matters.Agree

* I associate the word "risk" with the idea of "opportunity".Agree

* I generally prefer bank deposits to riskier investments.Disagree

* I find investment matters easy to understand.Agree

* I'm willing to take substantial investment risk to earn substantial returns.Agree

* I have little experience of investing in stocks and shares.Disagree

* I tend to be anxious about the investment decisions I've made.Disagree

* I'd rather take my chances with higher risk investments than increase the amount I'm saving.Agree

* I'm concerned by the volatility of stock market investments.Disagree

Calculate ATR

Calculated Profile: Adventurous

Your selected profile:5 - Adventurous

Suitable investments usually include equities and property. Cash, money market investments and high quality bonds would normally not be suitable except for very short investment durations.

Typically, but not always, as an Adventurous Investor you may have the following characteristics:

You will usually be able to make up your mind on investment matters quickly. You usually do not suffer from regret to any great extent and can accept occasional poor outcomes without much difficulty.
You have high levels of investment knowledge and keep up to date on investment issues.
You will usually be an experienced investor, having used a range of investment products in the past.

Investment experience

Which of the following savings and investment products are you familiar with, either through your own market knowledge or your experience of holding them?

* Bank or Building Society SavingsYes

* National SavingsYes

* Cash ISAsYes

* With profits, endowments or Investment BondsYes

* Stocks and shares ISA, or Personal PensionYes

* OEICs, Unit Trusts, Investment Trusts or SIPPsYes

* A portfolio of stocks and sharesYes

* Are you familiar with the general principles and features of medium to long term investing such as diversification, asset allocation and market volatility?Yes

Calculate Investment Experience

Additional information

Please enter your additional information here

Add

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\"retirement_flexibility__family_support\": \"yes\",\n \"retirement_flexibility__reduce_income\": \"no\",\n \"financial_resilience__work_restricted\": \"no\",\n \"financial_resilience__occupation\": \"homemaker\",\n \"income__current_year_gross_income_to_date_is_estimated\": \"yes\",\n \"income__current_year_gross_income_to_date\": 500,\n \"debts__has_debts\": \"yes\",\n \"debts\": [\n {\n \"type\": \"hire_purchase\",\n \"description\": \"Lakehouse\",\n \"lender\": \"Natwest\",\n \"amount_owed\": 100,\n \"monthly_repayment\": 10,\n \"early_repayment_penalty\": \"no\",\n \"max_interest_rate\": \"5\",\n \"paid_off_date_known\": \"no\",\n \"owner\": \"applicant\"\n }\n ],\n \"notes\": \"test data\",\n \"retirement__pensions\": [\n {\n \t\"allow_transfers_in\": \"yes\",\n\t\t\t\"allow_partial_transfers_out\": \"no\",\n \"transfer_value\": 12300,\n \"transfer_value_assumed\": \"yes\",\n \"include_in_advice\": \"yes\",\n \"drawdown_facility\": \"yes\",\n \"lump_sum_or_income_taken\": 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\"789\",\n \"sharing\": \"yes\",\n \"guaranteed_rate_annuity\": \"yes\",\n \"guaranteed_rate_details_annuity\": 789789,\n \"guaranteed_rate_minimum\": \"yes\",\n \"guaranteed_rate_details_minimum\": 789789,\n \"early_penalty_amount\": 789789\n }\n ],\n \"additional_information\": [\n {\n \"content\": \"some content 1\"\n },\n {\n \"content\": \"some content 2\"\n }\n ],\n \"expenditure__essential\": [\n {\n \"__autogenerated__\": true,\n \"name\": \"Utilities\",\n \"current\": 450\n },\n {\n \"__autogenerated__\": true,\n \"name\": \"Council tax\",\n \"current\": 150\n },\n {\n \"__autogenerated__\": true,\n \"name\": \"Food & shopping\",\n \"current\": 500,\n \"to\": 700,\n \"date_of_change\": \"2019-09-01\"\n },\n {\n \"__autogenerated__\": true,\n \"name\": \"Transport\",\n \"current\": 400,\n \"to\": 100,\n \"date_of_change\": \"2019-09-01\"\n },\n {\n \"__autogenerated__\": false,\n \"name\": \"Misc\",\n \"current\": 1000\n }\n ],\n \"expenditure__discretionary\": [\n {\n 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\"income_preferences__level_or_escalating\": \"escalating\",\n \"income_preferences__level_or_escalating__why\": \"You have a preference for an escalating income.\",\n \"income_preferences__level_or_escalating__importance\": \"preference\",\n \"income_preferences__level_or_escalating__rate\": \"max_afford\",\n \"income_preferences__death_benefits\": \"yes\",\n \"income_preferences__death_benefits__lump_sum\": \"yes\",\n \"income_preferences__death_benefits__lump_sum__why\": \"You have a preference to leave a lump sum to your partner.\",\n \"income_preferences__death_benefits__income\": \"no\",\n \"income_preferences__death_benefits__income__why\": \"You have a preference to leave an income to your dependant, to meet their essential expenditure.\",\n \"capital_needs__now_objective\": \"\",\n \"capital_needs__none\": \"no\",\n \"income_objectives__when\": \"age\",\n \"capital_needs__future\": [],\n \"dependants__could_support\": \"no\",\n \"inheritance__significant_amount_expected\": \"no\",\n \"income__continue_working_consider\": \"yes\",\n \"fulfilment_charge_payment_method\": \"pay_from_pension_pot\",\n \"capital_needs__now\": [\n {\n \"amount\": 10000,\n \"reason\": \"pay_off_mortgage\",\n \"reason_text\": \"\"\n },\n {\n \"amount\": 10000,\n \"reason\": \"pay_off_other_debts\"\n }\n ],\n \"dependants__include_partner_details\": \"yes\",\n \"dependants__partner_relationship\": \"civil_partner\",\n \"dependant__title\": \"dr\",\n \"dependant__first_name\": \"Chris\",\n \"dependant__last_name\": \"Christy\",\n \"dependant__gender\": \"f\",\n \"dependant__dob\": \"1958-05-16\",\n \"form_coupler__address\": \"yes\",\n \"dependant__postcode\": \"TN16 4WS\",\n \"dependant__address_line_1\": \"9788 Quigley Spur\",\n \"dependant__address_line_2\": \"West Aaronton\",\n \"dependant_state_pension_date\": \"2037-12-31\",\n \"dependant__us_citizen\": \"no\",\n \"dependant__where_registered\": \"england_wales_ni\",\n \"income__partner_tax_status\": \"none\",\n 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Statement of Fact

About You

A few more basic details about your customer

* Your titleMr

* Your first nameShaun

* Your last nameLe Test

* Your post codeCV34 6RT

* Address line 1Unit 8

* Address line 2Athena Court

Address line 3Warwick

Address line 4Warwickshire

* Your email addresstester@test.com

* Your phone number0987655433

* Your date of birth

30/01/1950

Age: 68 years, 2 months

* Your genderMale

* Your national insurance number1234545

* Are you a US Citizen, either in full or as dual citizenship? No

* Where are you registered to pay income tax? UK (excluding Scotland)

* Do you have a spouse or partner?No

* Your marital statusSingle

Capital

Main property

* Do you own your own home?Yes - owned by me outright

* What is it worth?£250000

* Do you have a mortgage on your home?No

* Would you be prepared to downsize to fund your retirement?No

Your additional home

* Do you have any additional properties?Yes

Investments

* Do you have any savings/investments?Yes

Add

Inheritance

* Do you expect a significant inheritance in retirement?Yes

* Can you estimate the amount of inheritance you will receive?£0

Income

Employment income

* Are you currently working?Yes

* Please select your current occupation type / employment statusManagers, directors or senior officials

* What is your monthly take home pay?£1000

* How many hours per week are you currently working?35

* Are you planning to continue working after you start taking your pension income or tax free cash?No

* Would you consider going back to work in retirement?Not answered

State pension

* When will you receive your State Pension? Enter today's date if you already receive it.

30/01/2018

* How much do/will you receive each week?£159.95

The state pension became available for Shaun Le Test on the 30th January 2015
Age: 65 years

DB Pensions income

* Are you currently receiving, or do you plan to receive in the future, any income from DB Pensions?No

Capital income

Other income

* Do you have any other income?Not answered

Pensions

* Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

* Are any of your pensions registered outside of the UK?No

Pension 1

* Who's the pension provider?wr

What's the policy/plan number?1234

* Do you want to take tax free cash and/or income from this pension now?Yes

* Is this pension subject to a "pension sharing" or "earmarking order" following divorce?No

* Have you already taken any income or tax free cash from this pension?No

* What's the current value of your pension fund?£415000

* Are you invested in a with-profits fund?No

* Are you entitled to more than 25% tax free cash?No

* Does this pension have a guaranteed annuity rate?No

* Does this pension have a guaranteed minimum pension?No

* Is there a charge or penalty for choosing to access your pension now?No

* Does your scheme offer a drawdown facility?No

* Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Expenditure

Debt

* Debts include loans, credit cards, hire purchases, store cards, etc

* Do you have any debts?No

* What is your current monthly expenditure?£1500

Retirement needs

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1000

Open Budget Planner

How much discretionary monthly income would you like in addition to the above?£5001

* How much income per year would you like in retirement?£72012

Calculate

* When do you plan to start taking your pension income?

30/01/2018

* How much tax free cash (lump sum) do you want to take from your funds (typically up to 25%)?0%

* Do you have any other dependants who you'd like to get an income from your pension if you died?No

* Could your spouse or other family member support you, if circumstances required?Not answered

Future Lump Sum Needs

You do not have any future lump sum needs

Add

Retirement priorities

I want my pension fund specifically for my retirement

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to make changes to my retirement income in the future if my circumstances change

I want to maintain the future buying power of my income, and accept that my initial income might be lower

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want a higher income in the early years of my retirement, and accept that future buying power of my income might fall

I want certainty of future income for life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

I want the certainty now of knowing how much income for life I'll get

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want the flexibility to be able to delay locking in to an income for life, and understand there is some uncertainty about what amount of income I will be able to lock into in the future

Health

* How would you rate your health?Good

* Your height

0cm

* Your weight

0kg

* Have you ever smoked?No

* Do you take 2 or more daily medications for a long term health issue?No

Start Health Questionnaire

Attitude to risk

* People who know me would describe me as a cautious person.Disagree

* I feel comfortable about investing in the stock market.Agree

* I generally look for safer investments, even if that means lower returns.Disagree

* Usually it takes me a long time to make up my mind on investment matters.Agree

* I associate the word "risk" with the idea of "opportunity".Agree

* I generally prefer bank deposits to riskier investments.Disagree

* I find investment matters easy to understand.Agree

* I'm willing to take substantial investment risk to earn substantial returns.Agree

* I have little experience of investing in stocks and shares.Disagree

* I tend to be anxious about the investment decisions I've made.Disagree

* I'd rather take my chances with higher risk investments than increase the amount I'm saving.Agree

* I'm concerned by the volatility of stock market investments.Disagree

Calculate ATR

Calculated Profile: Adventurous

Your selected profile:5 - Adventurous

Suitable investments usually include equities and property. Cash, money market investments and high quality bonds would normally not be suitable except for very short investment durations.

Typically, but not always, as an Adventurous Investor you may have the following characteristics:

You will usually be able to make up your mind on investment matters quickly. You usually do not suffer from regret to any great extent and can accept occasional poor outcomes without much difficulty.
You have high levels of investment knowledge and keep up to date on investment issues.
You will usually be an experienced investor, having used a range of investment products in the past.

Investment experience

Which of the following savings and investment products are you familiar with, either through your own market knowledge or your experience of holding them?

* Bank or Building Society SavingsYes

* National SavingsYes

* Cash ISAsYes

* With profits, endowments or Investment BondsYes

* Stocks and shares ISA, or Personal PensionYes

* OEICs, Unit Trusts, Investment Trusts or SIPPsYes

* A portfolio of stocks and sharesYes

* Are you familiar with the general principles and features of medium to long term investing such as diversification, asset allocation and market volatility?Yes

Calculate Investment Experience

Additional information

Please enter your additional information here

Add

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Statement of Fact

About You

Applicant Basic

Your titleMr

Your first nameShaun

Your last nameLe Test

Your post codeCV34 6RT

Address line 1Unit 8

Address line 2Athena Court

Address line 3 (optional)Warwick

Address line 4 (optional)Warwickshire

Your email address (optional)tester@test.com

Your phone number0987655433

Your date of birth30/01/1950

Your genderMale

Your national insurance number (optional)1234545

Applicant Other

Are you a US Citizen, either in full or as dual citizenship? No

Where are you registered to pay income tax? UK (excluding Scotland)

Do you have a spouse or partner?No

Your marital statusSingle

Capital

Do you own your own home?Yes - owned by me outright

Do you have any additional properties?Yes

Do you have any savings/investments?Yes

Do you expect a significant inheritance in retirement?Yes

Main property

Basic

What is it worth?£250,000

Do you have a mortgage on your home?No

Would you be prepared to downsize to fund your retirement?No

Additional property

Add New Property

Investments

Add New Investment

Inheritance

Pensions

Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

Are any of your pensions registered outside of the UK?No

wr – £415,000

Basic

Who's the pension provider?wr

What's the policy/plan number?1234

What is the current value?£415,000

Do you want to take tax free cash and/or income from this pension plan now?Yes

Have you already taken any income or tax free cash from this pension plan?No

Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Guarantees

Are you invested in a with-profits fund?No

Are you entitled to more than 25% tax free cash?No

Is there a guaranteed annuity rate?No

Is there a guaranteed minimum pension?No

Features

Are there any charges/penalties for accessing the benefits now?No

Does your pension plan offer a drawdown facility?No

Is this pension plan subject to a "pension sharing" or "earmarking order" following divorce?No

Add New Pension

Income

Current tax year

Gross income received since the start of this tax year£159.95

Ongoing

Are you currently working?Yes

Are you currently receiving, or do you plan to receive in the future, any income from Defined Benefit Pensions?No

State pension

When will you receive your State Pension? Enter today's date if you already receive it.30/01/2018

How much do/will you receive each week?£159.95

Employment income

Please select your current occupation type / employment statusManagers, directors or senior officials

What is your gross monthly pay?£1,000

How many hours per week are you currently working?35

Are you planning to continue working after you start taking your pension income or tax free cash?No

Expenditure

Do you have any debts?No

What is your current monthly expenditure?£1,500

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping.

Retirement needs

Income

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1,000/month

Monthly budget calculator

How much discretionary monthly income would you like in addition to the above? (optional)£5,001/month

How much income per year would you like in retirement?

£72,012/year

When do you plan to start taking your pension income?30/01/2018

Income add-ons

Do you have any other dependants who you would like to get an income from your pension if you died?No

Tax-free cash

Retirement priorities

I want my pension fund specifically for my retirementI want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my lifeI want to make changes to my retirement income in the future if my circumstances change

I want certainty of future income for lifeI'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

Health

Applicant's Health

How would you rate your health?Good

Have you ever smoked?No

Do you take 2 or more daily medications for a long term health issue?No

Risk profile

Attitude to risk

People who know me would describe me as a cautious person.

Strongly disagreeStrongly agree

I feel comfortable about investing in the stock market.

Strongly disagreeStrongly agree

I generally look for safer investments, even if that means lower returns.

Strongly disagreeStrongly agree

Usually it takes me a long time to make up my mind on investment matters.

Strongly disagreeStrongly agree

I associate the word "risk" with the idea of "opportunity".

Strongly disagreeStrongly agree

I generally prefer bank deposits to riskier investments.

Strongly disagreeStrongly agree

I find investment matters easy to understand.

Strongly disagreeStrongly agree

I'm willing to take substantial investment risk to earn substantial returns.

Strongly disagreeStrongly agree

I've little experience of investing in stocks, shares, or investment funds.

Strongly disagreeStrongly agree

I tend to be anxious about the investment decisions I've made.

Strongly disagreeStrongly agree

I'd rather take my chances with higher risk investments than have to save more.

Strongly disagreeStrongly agree

I'm not comfortable with the ups and downs of stock market investments.

Strongly disagreeStrongly agree

Investment experience

Have you ever put money into any of the following:

Savings account with a bank or building societyYes

National Savings productYes

Cash ISAsYes

With-profits, endowments or investment bondsYes

Personal pensions, workplace pensions or stocks and shares ISAsYes

OEICs, unit trusts, investment trusts or self-invested pensionsYes

Directly into shares listed on a stock marketYes

Are you familiar with the general principles of investing, such as diversification, asset allocation and market volatility? Yes

Additional information

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Statement of Fact

About You

Applicant Basic

Your titleMr

Your first nameShaun

Your last nameLe Test

Your post codeCV34 6RT

Address line 1Unit 8

Address line 2Athena Court

Address line 3 (optional)Warwick

Address line 4 (optional)Warwickshire

Your email address (optional)tester@test.com

Your phone number0987655433

Your date of birth30/01/1950

Your genderMale

Your national insurance number (optional)1234545

Applicant Other

Are you a US Citizen, either in full or as dual citizenship? No

Where are you registered to pay income tax? UK (excluding Scotland)

Do you have a spouse or partner?No

Your marital statusSingle

Capital

Do you own your own home?Yes - owned by me outright

Do you have any additional properties?Yes

Do you have any savings/investments?Yes

Do you expect a significant inheritance in retirement?Yes

Main property

Basic

What is it worth?£250,000

Do you have a mortgage on your home?No

Would you be prepared to downsize to fund your retirement?No

Additional property

Add New Property

Investments

Add New Investment

Inheritance

Pensions

Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

Are any of your pensions registered outside of the UK?No

wr – £415,000

Basic

Who's the pension provider?wr

What's the policy/plan number?1234

What is the current value?£415,000

Do you want to take tax free cash and/or income from this pension plan now?Yes

Have you already taken any income or tax free cash from this pension plan?No

Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Guarantees

Are you invested in a with-profits fund?No

Are you entitled to more than 25% tax free cash?No

Is there a guaranteed annuity rate?No

Is there a guaranteed minimum pension?No

Features

Are there any charges/penalties for accessing the benefits now?No

Does your pension plan offer a drawdown facility?No

Is this pension plan subject to a "pension sharing" or "earmarking order" following divorce?No

Add New Pension

Income

Current tax year

Gross income received since the start of this tax year£159.95

Ongoing

Are you currently working?Yes

Are you currently receiving, or do you plan to receive in the future, any income from Defined Benefit Pensions?No

State pension

When will you receive your State Pension? Enter today's date if you already receive it.30/01/2018

How much do/will you receive each week?£159.95

Employment income

Please select your current occupation type / employment statusManagers, directors or senior officials

What is your gross monthly pay?£1,000

How many hours per week are you currently working?35

Are you planning to continue working after you start taking your pension income or tax free cash?No

Expenditure

Do you have any debts?No

What is your current monthly expenditure?£1,500

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping.

Retirement needs

Income

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1,000/month

Monthly budget calculator

How much discretionary monthly income would you like in addition to the above? (optional)£5,001/month

How much income per year would you like in retirement?

£72,012/year

When do you plan to start taking your pension income?30/01/2018

Income add-ons

Do you have any other dependants who you would like to get an income from your pension if you died?No

Tax-free cash

Retirement priorities

I want my pension fund specifically for my retirementI want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my lifeI want to make changes to my retirement income in the future if my circumstances change

I want certainty of future income for lifeI'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

Health

Applicant's Health

How would you rate your health?Good

Have you ever smoked?No

Do you take 2 or more daily medications for a long term health issue?No

Risk profile

Attitude to risk

People who know me would describe me as a cautious person.

Strongly disagreeStrongly agree

I feel comfortable about investing in the stock market.

Strongly disagreeStrongly agree

I generally look for safer investments, even if that means lower returns.

Strongly disagreeStrongly agree

Usually it takes me a long time to make up my mind on investment matters.

Strongly disagreeStrongly agree

I associate the word "risk" with the idea of "opportunity".

Strongly disagreeStrongly agree

I generally prefer bank deposits to riskier investments.

Strongly disagreeStrongly agree

I find investment matters easy to understand.

Strongly disagreeStrongly agree

I'm willing to take substantial investment risk to earn substantial returns.

Strongly disagreeStrongly agree

I've little experience of investing in stocks, shares, or investment funds.

Strongly disagreeStrongly agree

I tend to be anxious about the investment decisions I've made.

Strongly disagreeStrongly agree

I'd rather take my chances with higher risk investments than have to save more.

Strongly disagreeStrongly agree

I'm not comfortable with the ups and downs of stock market investments.

Strongly disagreeStrongly agree

Investment experience

Have you ever put money into any of the following:

Savings account with a bank or building societyYes

National Savings productYes

Cash ISAsYes

With-profits, endowments or investment bondsYes

Personal pensions, workplace pensions or stocks and shares ISAsYes

OEICs, unit trusts, investment trusts or self-invested pensionsYes

Directly into shares listed on a stock marketYes

Are you familiar with the general principles of investing, such as diversification, asset allocation and market volatility? Yes

Additional information

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Statement of Fact

About You

A few more basic details about your customer

* Your titleMr

* Your first nameShaun

* Your last nameLe Test

* Your post codeCV34 6RT

* Address line 1Unit 8

* Address line 2Athena Court

Address line 3Warwick

Address line 4Warwickshire

* Your email addresstester@test.com

* Your phone number0987655433

* Your date of birth

30/01/1950

Age: 68 years, 2 months

* Your genderMale

* Your national insurance number1234545

* Are you a US Citizen, either in full or as dual citizenship? No

* Where are you registered to pay income tax? UK (excluding Scotland)

* Do you have a spouse or partner?No

* Your marital statusSingle

Capital

Main property

* Do you own your own home?Yes - owned by me outright

* What is it worth?£250000

* Do you have a mortgage on your home?No

* Would you be prepared to downsize to fund your retirement?No

Your additional home

* Do you have any additional properties?Yes

Investments

* Do you have any savings/investments?Yes

Add

Inheritance

* Do you expect a significant inheritance in retirement?Yes

* Can you estimate the amount of inheritance you will receive?£0

Income

Employment income

* Are you currently working?Yes

* Please select your current occupation type / employment statusManagers, directors or senior officials

* What is your monthly take home pay?£1000

* How many hours per week are you currently working?35

* Are you planning to continue working after you start taking your pension income or tax free cash?No

* Would you consider going back to work in retirement?Not answered

State pension

* When will you receive your State Pension? Enter today's date if you already receive it.

30/01/2018

* How much do/will you receive each week?£159.95

The state pension became available for Shaun Le Test on the 30th January 2015
Age: 65 years

DB Pensions income

* Are you currently receiving, or do you plan to receive in the future, any income from DB Pensions?No

Capital income

Other income

* Do you have any other income?Not answered

Pensions

* Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

* Are any of your pensions registered outside of the UK?No

Pension 1

* Who's the pension provider?wr

What's the policy/plan number?1234

* Do you want to take tax free cash and/or income from this pension now?Yes

* Is this pension subject to a "pension sharing" or "earmarking order" following divorce?No

* Have you already taken any income or tax free cash from this pension?No

* What's the current value of your pension fund?£415000

* Are you invested in a with-profits fund?No

* Are you entitled to more than 25% tax free cash?No

* Does this pension have a guaranteed annuity rate?No

* Does this pension have a guaranteed minimum pension?No

* Is there a charge or penalty for choosing to access your pension now?No

* Does your scheme offer a drawdown facility?No

* Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Expenditure

Debt

* Debts include loans, credit cards, hire purchases, store cards, etc

* Do you have any debts?No

* What is your current monthly expenditure?£1500

Retirement needs

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1000

Open Budget Planner

How much discretionary monthly income would you like in addition to the above?£5001

* How much income per year would you like in retirement?£72012

Calculate

* When do you plan to start taking your pension income?

30/01/2018

* How much tax free cash (lump sum) do you want to take from your funds (typically up to 25%)?0%

* Do you have any other dependants who you'd like to get an income from your pension if you died?No

* Could your spouse or other family member support you, if circumstances required?Not answered

Future Lump Sum Needs

You do not have any future lump sum needs

Add

Retirement priorities

I want my pension fund specifically for my retirement

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to make changes to my retirement income in the future if my circumstances change

I want to maintain the future buying power of my income, and accept that my initial income might be lower

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want a higher income in the early years of my retirement, and accept that future buying power of my income might fall

I want certainty of future income for life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

I want the certainty now of knowing how much income for life I'll get

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want the flexibility to be able to delay locking in to an income for life, and understand there is some uncertainty about what amount of income I will be able to lock into in the future

Health

* How would you rate your health?Good

* Your height

0cm

* Your weight

0kg

* Have you ever smoked?No

* Do you take 2 or more daily medications for a long term health issue?No

Start Health Questionnaire

Attitude to risk

* People who know me would describe me as a cautious person.Disagree

* I feel comfortable about investing in the stock market.Agree

* I generally look for safer investments, even if that means lower returns.Disagree

* Usually it takes me a long time to make up my mind on investment matters.Agree

* I associate the word "risk" with the idea of "opportunity".Agree

* I generally prefer bank deposits to riskier investments.Disagree

* I find investment matters easy to understand.Agree

* I'm willing to take substantial investment risk to earn substantial returns.Agree

* I have little experience of investing in stocks and shares.Disagree

* I tend to be anxious about the investment decisions I've made.Disagree

* I'd rather take my chances with higher risk investments than increase the amount I'm saving.Agree

* I'm concerned by the volatility of stock market investments.Disagree

Calculate ATR

Calculated Profile: Adventurous

Your selected profile:5 - Adventurous

Suitable investments usually include equities and property. Cash, money market investments and high quality bonds would normally not be suitable except for very short investment durations.

Typically, but not always, as an Adventurous Investor you may have the following characteristics:

You will usually be able to make up your mind on investment matters quickly. You usually do not suffer from regret to any great extent and can accept occasional poor outcomes without much difficulty.
You have high levels of investment knowledge and keep up to date on investment issues.
You will usually be an experienced investor, having used a range of investment products in the past.

Investment experience

Which of the following savings and investment products are you familiar with, either through your own market knowledge or your experience of holding them?

* Bank or Building Society SavingsYes

* National SavingsYes

* Cash ISAsYes

* With profits, endowments or Investment BondsYes

* Stocks and shares ISA, or Personal PensionYes

* OEICs, Unit Trusts, Investment Trusts or SIPPsYes

* A portfolio of stocks and sharesYes

* Are you familiar with the general principles and features of medium to long term investing such as diversification, asset allocation and market volatility?Yes

Calculate Investment Experience

Additional information

Please enter your additional information here

Add

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Statement of Fact

About You

A few more basic details about your customer

* Your titleMr

* Your first nameShaun

* Your last nameLe Test

* Your post codeCV34 6RT

* Address line 1Unit 8

* Address line 2Athena Court

Address line 3Warwick

Address line 4Warwickshire

* Your email addresstester@test.com

* Your phone number0987655433

* Your date of birth

30/01/1950

Age: 68 years, 2 months

* Your genderMale

* Your national insurance number1234545

* Are you a US Citizen, either in full or as dual citizenship? No

* Where are you registered to pay income tax? UK (excluding Scotland)

* Do you have a spouse or partner?No

* Your marital statusSingle

Capital

Main property

* Do you own your own home?Yes - owned by me outright

* What is it worth?£250000

* Do you have a mortgage on your home?No

* Would you be prepared to downsize to fund your retirement?No

Your additional home

* Do you have any additional properties?Yes

Investments

* Do you have any savings/investments?Yes

Add

Inheritance

* Do you expect a significant inheritance in retirement?Yes

* Can you estimate the amount of inheritance you will receive?£0

Income

Employment income

* Are you currently working?Yes

* Please select your current occupation type / employment statusManagers, directors or senior officials

* What is your monthly take home pay?£1000

* How many hours per week are you currently working?35

* Are you planning to continue working after you start taking your pension income or tax free cash?No

* Would you consider going back to work in retirement?Not answered

State pension

* When will you receive your State Pension? Enter today's date if you already receive it.

30/01/2018

* How much do/will you receive each week?£159.95

The state pension became available for Shaun Le Test on the 30th January 2015
Age: 65 years

DB Pensions income

* Are you currently receiving, or do you plan to receive in the future, any income from DB Pensions?No

Capital income

Other income

* Do you have any other income?Not answered

Pensions

* Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

* Are any of your pensions registered outside of the UK?No

Pension 1

* Who's the pension provider?wr

What's the policy/plan number?1234

* Do you want to take tax free cash and/or income from this pension now?Yes

* Is this pension subject to a "pension sharing" or "earmarking order" following divorce?No

* Have you already taken any income or tax free cash from this pension?No

* What's the current value of your pension fund?£415000

* Are you invested in a with-profits fund?No

* Are you entitled to more than 25% tax free cash?No

* Does this pension have a guaranteed annuity rate?No

* Does this pension have a guaranteed minimum pension?No

* Is there a charge or penalty for choosing to access your pension now?No

* Does your scheme offer a drawdown facility?No

* Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Expenditure

Debt

* Debts include loans, credit cards, hire purchases, store cards, etc

* Do you have any debts?No

* What is your current monthly expenditure?£1500

Retirement needs

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1000

Open Budget Planner

How much discretionary monthly income would you like in addition to the above?£5001

* How much income per year would you like in retirement?£72012

Calculate

* When do you plan to start taking your pension income?

30/01/2018

* How much tax free cash (lump sum) do you want to take from your funds (typically up to 25%)?0%

* Do you have any other dependants who you'd like to get an income from your pension if you died?No

* Could your spouse or other family member support you, if circumstances required?Not answered

Future Lump Sum Needs

You do not have any future lump sum needs

Add

Retirement priorities

I want my pension fund specifically for my retirement

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to make changes to my retirement income in the future if my circumstances change

I want to maintain the future buying power of my income, and accept that my initial income might be lower

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want a higher income in the early years of my retirement, and accept that future buying power of my income might fall

I want certainty of future income for life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

I want the certainty now of knowing how much income for life I'll get

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want the flexibility to be able to delay locking in to an income for life, and understand there is some uncertainty about what amount of income I will be able to lock into in the future

Health

* How would you rate your health?Good

* Your height

0cm

* Your weight

0kg

* Have you ever smoked?No

* Do you take 2 or more daily medications for a long term health issue?No

Start Health Questionnaire

Attitude to risk

* People who know me would describe me as a cautious person.Disagree

* I feel comfortable about investing in the stock market.Agree

* I generally look for safer investments, even if that means lower returns.Disagree

* Usually it takes me a long time to make up my mind on investment matters.Agree

* I associate the word "risk" with the idea of "opportunity".Agree

* I generally prefer bank deposits to riskier investments.Disagree

* I find investment matters easy to understand.Agree

* I'm willing to take substantial investment risk to earn substantial returns.Agree

* I have little experience of investing in stocks and shares.Disagree

* I tend to be anxious about the investment decisions I've made.Disagree

* I'd rather take my chances with higher risk investments than increase the amount I'm saving.Agree

* I'm concerned by the volatility of stock market investments.Disagree

Calculate ATR

Calculated Profile: Adventurous

Your selected profile:5 - Adventurous

Suitable investments usually include equities and property. Cash, money market investments and high quality bonds would normally not be suitable except for very short investment durations.

Typically, but not always, as an Adventurous Investor you may have the following characteristics:

You will usually be able to make up your mind on investment matters quickly. You usually do not suffer from regret to any great extent and can accept occasional poor outcomes without much difficulty.
You have high levels of investment knowledge and keep up to date on investment issues.
You will usually be an experienced investor, having used a range of investment products in the past.

Investment experience

Which of the following savings and investment products are you familiar with, either through your own market knowledge or your experience of holding them?

* Bank or Building Society SavingsYes

* National SavingsYes

* Cash ISAsYes

* With profits, endowments or Investment BondsYes

* Stocks and shares ISA, or Personal PensionYes

* OEICs, Unit Trusts, Investment Trusts or SIPPsYes

* A portfolio of stocks and sharesYes

* Are you familiar with the general principles and features of medium to long term investing such as diversification, asset allocation and market volatility?Yes

Calculate Investment Experience

Additional information

Please enter your additional information here

Add

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Statement of Fact

About You

Applicant Basic

Your titleMr

Your first nameShaun

Your last nameLe Test

Your post codeCV34 6RT

Address line 1Unit 8

Address line 2Athena Court

Address line 3 (optional)Warwick

Address line 4 (optional)Warwickshire

Your email address (optional)tester@test.com

Your phone number0987655433

Your date of birth30/01/1950

Your genderMale

Your national insurance number (optional)1234545

Applicant Other

Are you a US Citizen, either in full or as dual citizenship? No

Where are you registered to pay income tax? UK (excluding Scotland)

Do you have a spouse or partner?No

Your marital statusSingle

Capital

Do you own your own home?Yes - owned by me outright

Do you have any additional properties?Yes

Do you have any savings/investments?Yes

Do you expect a significant inheritance in retirement?Yes

Main property

Basic

What is it worth?£250,000

Do you have a mortgage on your home?No

Would you be prepared to downsize to fund your retirement?No

Additional property

Add New Property

Investments

Add New Investment

Inheritance

Pensions

Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

Are any of your pensions registered outside of the UK?No

wr – £415,000

Basic

Who's the pension provider?wr

What's the policy/plan number?1234

What is the current value?£415,000

Do you want to take tax free cash and/or income from this pension plan now?Yes

Have you already taken any income or tax free cash from this pension plan?No

Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Guarantees

Are you invested in a with-profits fund?No

Are you entitled to more than 25% tax free cash?No

Is there a guaranteed annuity rate?No

Is there a guaranteed minimum pension?No

Features

Are there any charges/penalties for accessing the benefits now?No

Does your pension plan offer a drawdown facility?No

Is this pension plan subject to a "pension sharing" or "earmarking order" following divorce?No

Add New Pension

Income

Current tax year

Gross income received since the start of this tax year£159.95

Ongoing

Are you currently working?Yes

Are you currently receiving, or do you plan to receive in the future, any income from Defined Benefit Pensions?No

State pension

When will you receive your State Pension? Enter today's date if you already receive it.30/01/2018

How much do/will you receive each week?£159.95

Employment income

Please select your current occupation type / employment statusManagers, directors or senior officials

What is your gross monthly pay?£1,000

How many hours per week are you currently working?35

Are you planning to continue working after you start taking your pension income or tax free cash?No

Expenditure

Do you have any debts?No

What is your current monthly expenditure?£1,500

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping.

Retirement needs

Income

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1,000/month

Monthly budget calculator

How much discretionary monthly income would you like in addition to the above? (optional)£5,001/month

How much income per year would you like in retirement?

£72,012/year

When do you plan to start taking your pension income?30/01/2018

Income add-ons

Do you have any other dependants who you would like to get an income from your pension if you died?No

Tax-free cash

Retirement priorities

I want my pension fund specifically for my retirementI want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my lifeI want to make changes to my retirement income in the future if my circumstances change

I want certainty of future income for lifeI'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

Health

Applicant's Health

How would you rate your health?Good

Have you ever smoked?No

Do you take 2 or more daily medications for a long term health issue?No

Risk profile

Attitude to risk

People who know me would describe me as a cautious person.

Strongly disagreeStrongly agree

I feel comfortable about investing in the stock market.

Strongly disagreeStrongly agree

I generally look for safer investments, even if that means lower returns.

Strongly disagreeStrongly agree

Usually it takes me a long time to make up my mind on investment matters.

Strongly disagreeStrongly agree

I associate the word "risk" with the idea of "opportunity".

Strongly disagreeStrongly agree

I generally prefer bank deposits to riskier investments.

Strongly disagreeStrongly agree

I find investment matters easy to understand.

Strongly disagreeStrongly agree

I'm willing to take substantial investment risk to earn substantial returns.

Strongly disagreeStrongly agree

I've little experience of investing in stocks, shares, or investment funds.

Strongly disagreeStrongly agree

I tend to be anxious about the investment decisions I've made.

Strongly disagreeStrongly agree

I'd rather take my chances with higher risk investments than have to save more.

Strongly disagreeStrongly agree

I'm not comfortable with the ups and downs of stock market investments.

Strongly disagreeStrongly agree

Investment experience

Have you ever put money into any of the following:

Savings account with a bank or building societyYes

National Savings productYes

Cash ISAsYes

With-profits, endowments or investment bondsYes

Personal pensions, workplace pensions or stocks and shares ISAsYes

OEICs, unit trusts, investment trusts or self-invested pensionsYes

Directly into shares listed on a stock marketYes

Are you familiar with the general principles of investing, such as diversification, asset allocation and market volatility? Yes

Additional information

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For the purposes of this advice we have assumed you will take income at age 67.\",\"income_objectives__when__age__earliest_age\":67,\"income_objectives__when__age__range\":\"yes\",\"income_objectives__when__age__latest_age\":75,\"income_objectives__how_much\":\"maximise_income\",\"income_objectives__how_much__why\":\"You want an income to maximise your basic rate tax band.\",\"income_objectives__how_much__maximise_income__option\":\"tax_band\",\"income_objectives__how_much__maximise_income__tax_band\":\"basic\",\"income_objectives__how_long\":\"no_longer_needed\",\"income_objectives__how_long__why\":\"You want your income until you no longer need it to meet your target income.\",\"income_preferences__take_investment_risk\":\"some\",\"income_preferences__take_investment_risk__why\":\"You are prepared to take some investment risk with your income providing you can meet your essential 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Statement of Fact

About You

A few more basic details about your customer

* Your titleMr

* Your first nameShaun

* Your last nameLe Test

* Your post codeCV34 6RT

* Address line 1Unit 8

* Address line 2Athena Court

Address line 3Warwick

Address line 4Warwickshire

* Your email addresstester@test.com

* Your phone number0987655433

* Your date of birth

30/01/1950

Age: 68 years, 2 months

* Your genderMale

* Your national insurance number1234545

* Are you a US Citizen, either in full or as dual citizenship? No

* Where are you registered to pay income tax? UK (excluding Scotland)

* Do you have a spouse or partner?No

* Your marital statusSingle

Capital

Main property

* Do you own your own home?Yes - owned by me outright

* What is it worth?£250000

* Do you have a mortgage on your home?No

* Would you be prepared to downsize to fund your retirement?No

Your additional home

* Do you have any additional properties?Yes

Investments

* Do you have any savings/investments?Yes

Add

Inheritance

* Do you expect a significant inheritance in retirement?Yes

* Can you estimate the amount of inheritance you will receive?£0

Income

Employment income

* Are you currently working?Yes

* Please select your current occupation type / employment statusManagers, directors or senior officials

* What is your monthly take home pay?£1000

* How many hours per week are you currently working?35

* Are you planning to continue working after you start taking your pension income or tax free cash?No

* Would you consider going back to work in retirement?Not answered

State pension

* When will you receive your State Pension? Enter today's date if you already receive it.

30/01/2018

* How much do/will you receive each week?£159.95

The state pension became available for Shaun Le Test on the 30th January 2015
Age: 65 years

DB Pensions income

* Are you currently receiving, or do you plan to receive in the future, any income from DB Pensions?No

Capital income

Other income

* Do you have any other income?Not answered

Pensions

* Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

* Are any of your pensions registered outside of the UK?No

Pension 1

* Who's the pension provider?wr

What's the policy/plan number?1234

* Do you want to take tax free cash and/or income from this pension now?Yes

* Is this pension subject to a "pension sharing" or "earmarking order" following divorce?No

* Have you already taken any income or tax free cash from this pension?No

* What's the current value of your pension fund?£415000

* Are you invested in a with-profits fund?No

* Are you entitled to more than 25% tax free cash?No

* Does this pension have a guaranteed annuity rate?No

* Does this pension have a guaranteed minimum pension?No

* Is there a charge or penalty for choosing to access your pension now?No

* Does your scheme offer a drawdown facility?No

* Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Expenditure

Debt

* Debts include loans, credit cards, hire purchases, store cards, etc

* Do you have any debts?No

* What is your current monthly expenditure?£1500

Retirement needs

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1000

Open Budget Planner

How much discretionary monthly income would you like in addition to the above?£5001

* How much income per year would you like in retirement?£72012

Calculate

* When do you plan to start taking your pension income?

30/01/2018

* How much tax free cash (lump sum) do you want to take from your funds (typically up to 25%)?0%

* Do you have any other dependants who you'd like to get an income from your pension if you died?No

* Could your spouse or other family member support you, if circumstances required?Not answered

Future Lump Sum Needs

You do not have any future lump sum needs

Add

Retirement priorities

I want my pension fund specifically for my retirement

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to make changes to my retirement income in the future if my circumstances change

I want to maintain the future buying power of my income, and accept that my initial income might be lower

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want a higher income in the early years of my retirement, and accept that future buying power of my income might fall

I want certainty of future income for life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

I want the certainty now of knowing how much income for life I'll get

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want the flexibility to be able to delay locking in to an income for life, and understand there is some uncertainty about what amount of income I will be able to lock into in the future

Health

* How would you rate your health?Good

* Your height

0cm

* Your weight

0kg

* Have you ever smoked?No

* Do you take 2 or more daily medications for a long term health issue?No

Start Health Questionnaire

Attitude to risk

* People who know me would describe me as a cautious person.Disagree

* I feel comfortable about investing in the stock market.Agree

* I generally look for safer investments, even if that means lower returns.Disagree

* Usually it takes me a long time to make up my mind on investment matters.Agree

* I associate the word "risk" with the idea of "opportunity".Agree

* I generally prefer bank deposits to riskier investments.Disagree

* I find investment matters easy to understand.Agree

* I'm willing to take substantial investment risk to earn substantial returns.Agree

* I have little experience of investing in stocks and shares.Disagree

* I tend to be anxious about the investment decisions I've made.Disagree

* I'd rather take my chances with higher risk investments than increase the amount I'm saving.Agree

* I'm concerned by the volatility of stock market investments.Disagree

Calculate ATR

Calculated Profile: Adventurous

Your selected profile:5 - Adventurous

Suitable investments usually include equities and property. Cash, money market investments and high quality bonds would normally not be suitable except for very short investment durations.

Typically, but not always, as an Adventurous Investor you may have the following characteristics:

You will usually be able to make up your mind on investment matters quickly. You usually do not suffer from regret to any great extent and can accept occasional poor outcomes without much difficulty.
You have high levels of investment knowledge and keep up to date on investment issues.
You will usually be an experienced investor, having used a range of investment products in the past.

Investment experience

Which of the following savings and investment products are you familiar with, either through your own market knowledge or your experience of holding them?

* Bank or Building Society SavingsYes

* National SavingsYes

* Cash ISAsYes

* With profits, endowments or Investment BondsYes

* Stocks and shares ISA, or Personal PensionYes

* OEICs, Unit Trusts, Investment Trusts or SIPPsYes

* A portfolio of stocks and sharesYes

* Are you familiar with the general principles and features of medium to long term investing such as diversification, asset allocation and market volatility?Yes

Calculate Investment Experience

Additional information

Please enter your additional information here

Add

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Statement of Fact

About You

Applicant Basic

Your titleMr

Your first nameShaun

Your last nameLe Test

Your post codeCV34 6RT

Address line 1Unit 8

Address line 2Athena Court

Address line 3 (optional)Warwick

Address line 4 (optional)Warwickshire

Your email address (optional)tester@test.com

Your phone number0987655433

Your date of birth30/01/1950

Your genderMale

Your national insurance number (optional)1234545

Applicant Other

Are you a US Citizen, either in full or as dual citizenship? No

Where are you registered to pay income tax? UK (excluding Scotland)

Do you have a spouse or partner?No

Your marital statusSingle

Capital

Do you own your own home?Yes - owned by me outright

Do you have any additional properties?Yes

Do you have any savings/investments?Yes

Do you expect a significant inheritance in retirement?Yes

Main property

Basic

What is it worth?£250,000

Do you have a mortgage on your home?No

Would you be prepared to downsize to fund your retirement?No

Additional property

Add New Property

Investments

Add New Investment

Inheritance

Pensions

Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

Are any of your pensions registered outside of the UK?No

wr – £415,000

Basic

Who's the pension provider?wr

What's the policy/plan number?1234

What is the current value?£415,000

Do you want to take tax free cash and/or income from this pension plan now?Yes

Have you already taken any income or tax free cash from this pension plan?No

Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Guarantees

Are you invested in a with-profits fund?No

Are you entitled to more than 25% tax free cash?No

Is there a guaranteed annuity rate?No

Is there a guaranteed minimum pension?No

Features

Are there any charges/penalties for accessing the benefits now?No

Does your pension plan offer a drawdown facility?No

Is this pension plan subject to a "pension sharing" or "earmarking order" following divorce?No

Add New Pension

Income

Current tax year

Gross income received since the start of this tax year£159.95

Ongoing

Are you currently working?Yes

Are you currently receiving, or do you plan to receive in the future, any income from Defined Benefit Pensions?No

State pension

When will you receive your State Pension? Enter today's date if you already receive it.30/01/2018

How much do/will you receive each week?£159.95

Employment income

Please select your current occupation type / employment statusManagers, directors or senior officials

What is your gross monthly pay?£1,000

How many hours per week are you currently working?35

Are you planning to continue working after you start taking your pension income or tax free cash?No

Expenditure

Do you have any debts?No

What is your current monthly expenditure?£1,500

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping.

Retirement needs

Income

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1,000/month

Monthly budget calculator

How much discretionary monthly income would you like in addition to the above? (optional)£5,001/month

How much income per year would you like in retirement?

£72,012/year

When do you plan to start taking your pension income?30/01/2018

Income add-ons

Do you have any other dependants who you would like to get an income from your pension if you died?No

Tax-free cash

Retirement priorities

I want my pension fund specifically for my retirementI want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my lifeI want to make changes to my retirement income in the future if my circumstances change

I want certainty of future income for lifeI'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

Health

Applicant's Health

How would you rate your health?Good

Have you ever smoked?No

Do you take 2 or more daily medications for a long term health issue?No

Risk profile

Attitude to risk

People who know me would describe me as a cautious person.

Strongly disagreeStrongly agree

I feel comfortable about investing in the stock market.

Strongly disagreeStrongly agree

I generally look for safer investments, even if that means lower returns.

Strongly disagreeStrongly agree

Usually it takes me a long time to make up my mind on investment matters.

Strongly disagreeStrongly agree

I associate the word "risk" with the idea of "opportunity".

Strongly disagreeStrongly agree

I generally prefer bank deposits to riskier investments.

Strongly disagreeStrongly agree

I find investment matters easy to understand.

Strongly disagreeStrongly agree

I'm willing to take substantial investment risk to earn substantial returns.

Strongly disagreeStrongly agree

I've little experience of investing in stocks, shares, or investment funds.

Strongly disagreeStrongly agree

I tend to be anxious about the investment decisions I've made.

Strongly disagreeStrongly agree

I'd rather take my chances with higher risk investments than have to save more.

Strongly disagreeStrongly agree

I'm not comfortable with the ups and downs of stock market investments.

Strongly disagreeStrongly agree

Investment experience

Have you ever put money into any of the following:

Savings account with a bank or building societyYes

National Savings productYes

Cash ISAsYes

With-profits, endowments or investment bondsYes

Personal pensions, workplace pensions or stocks and shares ISAsYes

OEICs, unit trusts, investment trusts or self-invested pensionsYes

Directly into shares listed on a stock marketYes

Are you familiar with the general principles of investing, such as diversification, asset allocation and market volatility? Yes

Additional information

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Statement of Fact

About You

A few more basic details about your customer

* Your titleMr

* Your first nameShaun

* Your last nameLe Test

* Your post codeCV34 6RT

* Address line 1Unit 8

* Address line 2Athena Court

Address line 3Warwick

Address line 4Warwickshire

* Your email addresstester@test.com

* Your phone number0987655433

* Your date of birth

30/01/1950

Age: 68 years, 2 months

* Your genderMale

* Your national insurance number1234545

* Are you a US Citizen, either in full or as dual citizenship? No

* Where are you registered to pay income tax? UK (excluding Scotland)

* Do you have a spouse or partner?No

* Your marital statusSingle

Capital

Main property

* Do you own your own home?Yes - owned by me outright

* What is it worth?£250000

* Do you have a mortgage on your home?No

* Would you be prepared to downsize to fund your retirement?No

Your additional home

* Do you have any additional properties?Yes

Investments

* Do you have any savings/investments?Yes

Add

Inheritance

* Do you expect a significant inheritance in retirement?Yes

* Can you estimate the amount of inheritance you will receive?£0

Income

Employment income

* Are you currently working?Yes

* Please select your current occupation type / employment statusManagers, directors or senior officials

* What is your monthly take home pay?£1000

* How many hours per week are you currently working?35

* Are you planning to continue working after you start taking your pension income or tax free cash?No

* Would you consider going back to work in retirement?Not answered

State pension

* When will you receive your State Pension? Enter today's date if you already receive it.

30/01/2018

* How much do/will you receive each week?£159.95

The state pension became available for Shaun Le Test on the 30th January 2015
Age: 65 years

DB Pensions income

* Are you currently receiving, or do you plan to receive in the future, any income from DB Pensions?No

Capital income

Other income

* Do you have any other income?Not answered

Pensions

* Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

* Are any of your pensions registered outside of the UK?No

Pension 1

* Who's the pension provider?wr

What's the policy/plan number?1234

* Do you want to take tax free cash and/or income from this pension now?Yes

* Is this pension subject to a "pension sharing" or "earmarking order" following divorce?No

* Have you already taken any income or tax free cash from this pension?No

* What's the current value of your pension fund?£415000

* Are you invested in a with-profits fund?No

* Are you entitled to more than 25% tax free cash?No

* Does this pension have a guaranteed annuity rate?No

* Does this pension have a guaranteed minimum pension?No

* Is there a charge or penalty for choosing to access your pension now?No

* Does your scheme offer a drawdown facility?No

* Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Expenditure

Debt

* Debts include loans, credit cards, hire purchases, store cards, etc

* Do you have any debts?No

* What is your current monthly expenditure?£1500

Retirement needs

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1000

Open Budget Planner

How much discretionary monthly income would you like in addition to the above?£5001

* How much income per year would you like in retirement?£72012

Calculate

* When do you plan to start taking your pension income?

30/01/2018

* How much tax free cash (lump sum) do you want to take from your funds (typically up to 25%)?0%

* Do you have any other dependants who you'd like to get an income from your pension if you died?No

* Could your spouse or other family member support you, if circumstances required?Not answered

Future Lump Sum Needs

You do not have any future lump sum needs

Add

Retirement priorities

I want my pension fund specifically for my retirement

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want to make changes to my retirement income in the future if my circumstances change

I want to maintain the future buying power of my income, and accept that my initial income might be lower

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want a higher income in the early years of my retirement, and accept that future buying power of my income might fall

I want certainty of future income for life

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

I want the certainty now of knowing how much income for life I'll get

Strongly prefer

Prefer

Equal preference

Prefer

Strongly prefer

I want the flexibility to be able to delay locking in to an income for life, and understand there is some uncertainty about what amount of income I will be able to lock into in the future

Health

* How would you rate your health?Good

* Your height

0cm

* Your weight

0kg

* Have you ever smoked?No

* Do you take 2 or more daily medications for a long term health issue?No

Start Health Questionnaire

Attitude to risk

* People who know me would describe me as a cautious person.Disagree

* I feel comfortable about investing in the stock market.Agree

* I generally look for safer investments, even if that means lower returns.Disagree

* Usually it takes me a long time to make up my mind on investment matters.Agree

* I associate the word "risk" with the idea of "opportunity".Agree

* I generally prefer bank deposits to riskier investments.Disagree

* I find investment matters easy to understand.Agree

* I'm willing to take substantial investment risk to earn substantial returns.Agree

* I have little experience of investing in stocks and shares.Disagree

* I tend to be anxious about the investment decisions I've made.Disagree

* I'd rather take my chances with higher risk investments than increase the amount I'm saving.Agree

* I'm concerned by the volatility of stock market investments.Disagree

Calculate ATR

Calculated Profile: Adventurous

Your selected profile:5 - Adventurous

Suitable investments usually include equities and property. Cash, money market investments and high quality bonds would normally not be suitable except for very short investment durations.

Typically, but not always, as an Adventurous Investor you may have the following characteristics:

You will usually be able to make up your mind on investment matters quickly. You usually do not suffer from regret to any great extent and can accept occasional poor outcomes without much difficulty.
You have high levels of investment knowledge and keep up to date on investment issues.
You will usually be an experienced investor, having used a range of investment products in the past.

Investment experience

Which of the following savings and investment products are you familiar with, either through your own market knowledge or your experience of holding them?

* Bank or Building Society SavingsYes

* National SavingsYes

* Cash ISAsYes

* With profits, endowments or Investment BondsYes

* Stocks and shares ISA, or Personal PensionYes

* OEICs, Unit Trusts, Investment Trusts or SIPPsYes

* A portfolio of stocks and sharesYes

* Are you familiar with the general principles and features of medium to long term investing such as diversification, asset allocation and market volatility?Yes

Calculate Investment Experience

Additional information

Please enter your additional information here

Add

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Statement of Fact

About You

Applicant Basic

Your titleMr

Your first nameShaun

Your last nameLe Test

Your post codeCV34 6RT

Address line 1Unit 8

Address line 2Athena Court

Address line 3 (optional)Warwick

Address line 4 (optional)Warwickshire

Your email address (optional)tester@test.com

Your phone number0987655433

Your date of birth30/01/1950

Your genderMale

Your national insurance number (optional)1234545

Applicant Other

Are you a US Citizen, either in full or as dual citizenship? No

Where are you registered to pay income tax? UK (excluding Scotland)

Do you have a spouse or partner?No

Your marital statusSingle

Capital

Do you own your own home?Yes - owned by me outright

Do you have any additional properties?Yes

Do you have any savings/investments?Yes

Do you expect a significant inheritance in retirement?Yes

Main property

Basic

What is it worth?£250,000

Do you have a mortgage on your home?No

Would you be prepared to downsize to fund your retirement?No

Additional property

Add New Property

Investments

Add New Investment

Inheritance

Pensions

Have you applied to HMRC for any form of Lifetime Allowance protection for your pensions?No

Are any of your pensions registered outside of the UK?No

wr – £415,000

Basic

Who's the pension provider?wr

What's the policy/plan number?1234

What is the current value?£415,000

Do you want to take tax free cash and/or income from this pension plan now?Yes

Have you already taken any income or tax free cash from this pension plan?No

Are you or your employer currently paying into this pension plan, or do you plan to make any further payments into it?No

Guarantees

Are you invested in a with-profits fund?No

Are you entitled to more than 25% tax free cash?No

Is there a guaranteed annuity rate?No

Is there a guaranteed minimum pension?No

Features

Are there any charges/penalties for accessing the benefits now?No

Does your pension plan offer a drawdown facility?No

Is this pension plan subject to a "pension sharing" or "earmarking order" following divorce?No

Add New Pension

Income

Current tax year

Gross income received since the start of this tax year£159.95

Ongoing

Are you currently working?Yes

Are you currently receiving, or do you plan to receive in the future, any income from Defined Benefit Pensions?No

State pension

When will you receive your State Pension? Enter today's date if you already receive it.30/01/2018

How much do/will you receive each week?£159.95

Employment income

Please select your current occupation type / employment statusManagers, directors or senior officials

What is your gross monthly pay?£1,000

How many hours per week are you currently working?35

Are you planning to continue working after you start taking your pension income or tax free cash?No

Expenditure

Do you have any debts?No

What is your current monthly expenditure?£1,500

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping.

Retirement needs

Income

When you start taking an income from your pension, what will your total essential monthly expenditure be?

This should include any ongoing mortgage and debt payments, utilities, travel costs, food and household shopping

£1,000/month

Monthly budget calculator

How much discretionary monthly income would you like in addition to the above? (optional)£5,001/month

How much income per year would you like in retirement?

£72,012/year

When do you plan to start taking your pension income?30/01/2018

Income add-ons

Do you have any other dependants who you would like to get an income from your pension if you died?No

Tax-free cash

Retirement priorities

I want my pension fund specifically for my retirementI want to leave someone my remaining pension fund on my death

I want a guaranteed minimum income for the rest of my lifeI want to make changes to my retirement income in the future if my circumstances change

I want certainty of future income for lifeI'm happy to take some investment risk with my pension pot if it means the opportunity to get higher income in the future

Health

Applicant's Health

How would you rate your health?Good

Have you ever smoked?No

Do you take 2 or more daily medications for a long term health issue?No

Risk profile

Attitude to risk

People who know me would describe me as a cautious person.

Strongly disagreeStrongly agree

I feel comfortable about investing in the stock market.

Strongly disagreeStrongly agree

I generally look for safer investments, even if that means lower returns.

Strongly disagreeStrongly agree

Usually it takes me a long time to make up my mind on investment matters.

Strongly disagreeStrongly agree

I associate the word "risk" with the idea of "opportunity".

Strongly disagreeStrongly agree

I generally prefer bank deposits to riskier investments.

Strongly disagreeStrongly agree

I find investment matters easy to understand.

Strongly disagreeStrongly agree

I'm willing to take substantial investment risk to earn substantial returns.

Strongly disagreeStrongly agree

I've little experience of investing in stocks, shares, or investment funds.

Strongly disagreeStrongly agree

I tend to be anxious about the investment decisions I've made.

Strongly disagreeStrongly agree

I'd rather take my chances with higher risk investments than have to save more.

Strongly disagreeStrongly agree

I'm not comfortable with the ups and downs of stock market investments.

Strongly disagreeStrongly agree

Investment experience

Have you ever put money into any of the following:

Savings account with a bank or building societyYes

National Savings productYes

Cash ISAsYes

With-profits, endowments or investment bondsYes

Personal pensions, workplace pensions or stocks and shares ISAsYes

OEICs, unit trusts, investment trusts or self-invested pensionsYes

Directly into shares listed on a stock marketYes

Are you familiar with the general principles of investing, such as diversification, asset allocation and market volatility? Yes

Additional information

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About You

Applicant Basic

Applicant Other

Capital

Main property

Basic

Additional property

Investments

Inheritance

Pensions

wr – £415,000

Basic

Guarantees

Features

Income

Current tax year

Ongoing

State pension

Employment income

Expenditure

Retirement needs

Income

Monthly budget calculator

Income add-ons

Tax-free cash

Retirement priorities

Health

Applicant's Health

Risk profile

Attitude to risk

Investment experience

Additional information

Before you go...

About You

A few more basic details about your customer

Capital

Main property

Your additional home

Investments

Inheritance

Income

Employment income

State pension

The state pension became available for Shaun Le Test on the 30th January 2015Age: 65 years

DB Pensions income

Capital income

Other income

Pensions

Pension 1

Expenditure

Main Property Mortgage Payments

How will you repay your interest-only mortgage?

Debt

Retirement needs

Budget calculator

Future Lump Sum Needs

You do not have any future lump sum needs

Retirement priorities

Health

Attitude to risk

Calculated Profile: Adventurous

Investment experience

Which of the following savings and investment products are you familiar with, either through your own market knowledge or your experience of holding them?

Additional information

About You

Applicant Basic

Applicant Other

Capital

Main property

Basic

Additional property

Investments

Inheritance

Pensions

wr – £415,000

Basic

Guarantees

Features

Income

Current tax year

The state pension became available for Shaun Le Test on the 30th January 2015
Age: 65 years

The state pension became available for Shaun Le Test on the 30th January 2015
Age: 65 years