Static concept prototype · Fictional data · No live uploads, bank connection, calculations, approvals or HMRC submission

IFA workspace

Prototype · fictional data
Sunday, 23 August

Your gifting evidence book

Focus on the clients who need judgement — not the transactions that do not.

Active households
12Across three tax years
Need your review
311 uncertain items
Ready to approve
2Evidence trails complete
Client actions due
4Statements or documents

Client records

Fictional demonstration households
MH

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 complete

Statement of intention

Signed 14 April 2026 · original sealed

Complete

Income records

P60, pension statements and bank records received

Complete

Exceptions review

Four items still require named human resolution

In progress

Adviser approval

Locked until exceptions are resolved

Locked

Source coverage

Evidence by category
BANK 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
4 unresolved
DateDescriptionAmountSuggested treatmentConfidenceYour resolution
18 Jun 2026AVIVA PAYMENT£8,000Possible pension tax-free cash42%
02 Aug 2026VANGUARD INVESTOR£5,400Possible ISA withdrawal61%
11 Sep 2026TRANSFER M H SAVER£3,000Own-account transfer74%
29 Nov 2026PAYMENT TO E HUGHES−£2,000Possible completed gift69%
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 supply
AVIVA

Flexi-access drawdown pension

Regular drawdownRule review
Regular tax-free cashRule review*
VANGUARD

Stocks & Shares ISA

Interest/dividendsIncome
Withdrawal of capitalCapital
LEGAL & GENERAL

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 locked
HeritanceILLUSTRATIVE DRAFT
Illustrative draft evidence pack

Normal expenditure out of income

Margaret Hughes · Tax year 6 April 2026 to 5 April 2027

Income after reconciliation£64,200Sources 01–05
Total normal expenditure£43,860Ledger E01–E74
Historic evidenced surplus£20,340Calculation v0.9
Completed gifts included£12,000Gift 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 why
Statement 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