Your Wealth MOT

Do you know the monthly income you'd need to stop working — not just cover bills, but fund the life you actually want?

Do you know the capital you'd need to generate that income, sustainably, for the rest of your life?

Do you know whether you're on track to reach that capital figure, and by what age?

Does your financial plan reflect your current reality — your business stage, income, and family situation — or is it running on outdated assumptions?

If you've had a significant change — exit, sale, divorce, inheritance — has your plan been rebuilt around it?

Can you state, right now, the combined value of all your pension pots?

Do your assets have a shared strategy — or are they each doing their own thing in isolation?

Do you know the exact monthly income you'd have in month three if you couldn't work — from all sources?

Have your protection policies been reviewed in the last three years against your actual income, debts, and dependants?

Has your mortgage deal been reviewed in the last two years in light of your current income, assets, and plans?

Have you considered whether the size of your mortgage debt is still the most efficient use of your capital?

Do you have a Lasting Power of Attorney in place — for both financial affairs and health and welfare?

Does your will reflect your life as it is today — your assets, your wishes, your family structure?

Do you know the estimated IHT liability on your estate — calculated since April 2026?