Active households◎
12Across three tax years
Sunday, 23 August
Your gifting evidence book
Focus on the clients who need judgement — not the transactions that do not.
Need your review◇
311 uncertain itemsReady to approve✓
2Evidence trails completeClient actions due↥
4Statements or documentsClient records
Fictional demonstration householdsMH
Margaret Hughes
2026/27 · Product register complete
Annual record
Exceptions
4DW
David Walker
2025/26 · All sources reconciled
Annual record
Exceptions
0SK
Sheila Khan
2026/27 · Awaiting statements
Annual record
Exceptions
—PC
Peter & Anne Cole
2025/26 · Joint account split needed
Annual record
Exceptions
5MH
Margaret Hughes
Illustrative household · Tax year 2026/27 · Paraplanner-prepared · Adviser final approval
4 items need review
Gross income reconciled£64,200
Household expenditure£43,860
Evidenced historic surplus£20,340
Completed gifts recorded£12,000
Planning boundary: these are historic, reviewed evidence figures. Heritance does not calculate or recommend how much Margaret should gift. Any proposed gift belongs in the adviser’s regulated planning record.
Annual record status
8 of 10 stages completeStatement of intention
Signed 14 April 2026 · original sealed
Income records
P60, pension statements and bank records received
Exceptions review
Four items still require named human resolution
Adviser approval
Locked until exceptions are resolved
Source coverage
Evidence by categoryBANK RECORDS
Three accounts · 12 months
Transaction coverage100%
SUPPORTING DOCUMENTS
P60 + two pension statements
Gross incomeReconciled
Items Heritance will not guess
Resolve each item and preserve the reason| Date | Description | Amount | Suggested treatment | Confidence | Your resolution |
|---|---|---|---|---|---|
| 18 Jun 2026 | AVIVA PAYMENT | £8,000 | Possible pension tax-free cash | 42% | |
| 02 Aug 2026 | VANGUARD INVESTOR | £5,400 | Possible ISA withdrawal | 61% | |
| 11 Sep 2026 | TRANSFER M H SAVER | £3,000 | Own-account transfer | 74% | |
| 29 Nov 2026 | PAYMENT TO E HUGHES | −£2,000 | Possible completed gift | 69% |
Every resolution should require a reason and named user in production. This interaction only demonstrates the review unit.
Product and tax register
Context that bank data cannot supplyFlexi-access drawdown pension
Regular drawdownRule review
Regular tax-free cashRule review*
Stocks & Shares ISA
Interest/dividendsIncome
Withdrawal of capitalCapital
Lifetime annuity
Regular paymentIncome
Evidence sourceStatement
*Deliberately unresolved in this prototype. All tax treatments require validated domain rules and current primary-source citations before production use.
Annual evidence-pack preview
Draft · approval lockedHeritanceILLUSTRATIVE DRAFT
Illustrative draft evidence pack
Normal expenditure out of income
Margaret Hughes · Tax year 6 April 2026 to 5 April 2027
| Income after reconciliation | £64,200 | Sources 01–05 |
| Total normal expenditure | £43,860 | Ledger E01–E74 |
| Historic evidenced surplus | £20,340 | Calculation v0.9 |
| Completed gifts included | £12,000 | Gift evidence G01–G06 |
ILLUSTRATIVE DRAFT ONLY — not an official HMRC form, tax return, legal opinion or guarantee of exemption. Four unresolved items remain; no live approval has been recorded.
Case audit trail
Who did what, when and whyStatement of intention signedMargaret Hughes · 14 April 2026 at 10:42 · original sealed
Barclays statements uploadedMargaret Hughes · 20 July 2026 at 14:16 · 12 files
Product register reviewedVig Demo · 22 July 2026 at 09:03 · three products confirmed
Automated classification completedRule set v0.9 · 23 July 2026 at 01:14 · four items left uncertain
Annual pack awaiting approvalNo named approval recorded