Adviser workspace

Read onlySynthetic record

A window onto a client record. Nothing here can be set, adopted, resolved, overridden, ruled or transmitted — there is no control on this page, and the functions that would do those things are not imported by this application.

Synthetic demonstration record. No client data. This workspace reads a fixture and has no route to a real client file.

Suitability gate

Continuously evaluated. Regulatory stops and the firm's own process stops are separately typed and are never mixed.

Shut4 stops · 2 controls inert

Regulatory stops

Rule-derived. Not overridable, on any policy, by anyone.

HS-02regulatoryNecessary information not obtained
The client declined 2 material question(s): C-06 expected changes to income, J-03 capital gains position. Where the necessary information is not obtained, no personal recommendation may be made — outcome C.
COBS 9A.2.13RCOBS 9.2.6R

Process stops

The firm's own controls. Overridable only if the CEO rules that they may be — and that decision is not made.

HS-10processConflicts remain unresolved
Open: C-01, C-09, C-11, C-13. A conflict marked "discussed" with no conclusion is not resolved.
HS-11processAn adviser conclusion has not been reached
No conclusion for: required-risk (DV-10). The indication, if any, is not a substitute and is not read here.
COBS 9A.2.23R
HS-12processClient-journey copy has no named financial-promotion approver
PROD §8 sets the discipline but names no approver for website and journey copy.
COBS 4.2.1R

Inert controls

Built, wired and tested. They do not fire because the decision they depend on has not been ruled. Nothing falls back to a recommendation.

HS-07bAwaiting CEO/SMFThe currency window is built and wired. It does not fire until the window is ruled.Decision R-03
HS-08Awaiting BoardThe out-of-target-market stop is built and wired. It cannot fire before a target market exists to be outside of.Decision PROD-C-D

Adviser conclusions and derived indications

Shown in two columns because they are two different things. A conclusion is never defaulted from an indication, and where there is no conclusion the indication is not offered in its place.

Attitude to riskO-04Diverges from indication

Indication · derived

moderate-high

Questionnaire responses O-01, scored by the candidate tool.

Limitation · Tool not adopted. COBS 9A.2.9R(2) limitations are the firm's to identify and mitigate.
Limitation · The tool's own mandate mapping is not read.

Conclusion · adviser judgement

moderate

The questionnaire read a willingness to leave money alone as appetite for volatility. In conversation she described the opposite: she wants not to watch it. Moderate is the position she recognised and confirmed at O-06.

adv-sjm · 2026-08-12 14:05:00 UTC · against indication v1

Capacity for lossP-04

Indication · derived

None. No documented method, so nothing was computed.

Conclusion · adviser judgement

moderate

Committed outgoings of 2,100 are covered by employment income with a surplus of 650. An eighteen-month reserve is intact and untouched by the proposed amount. A material fall would postpone the retirement date rather than change how she lives.

adv-sjm · 2026-08-12 14:05:00 UTC · no indication existed

Knowledge and experienceN-07Indication adopted

Indication · derived

basic

Familiar instrument types at N-01 against the description of delegation given at N-05.

Conclusion · adviser judgement

basic

Adopted as the firm’s position. Recorded as an adoption, not as a default.

adv-sjm · 2026-08-12 14:05:00 UTC · against indication v1

Time horizonL-03Diverges from indication

Indication · derived

The shortest of the stated holding period (12), the earliest date any part might be needed (not recorded), and the earliest essential objective date (12).

Conclusion · adviser judgement

The deposit help at year six is desirable rather than essential and she confirmed it would be met from cash. Eight years is the point at which she would first consider drawing, not twelve.

adv-sjm · 2026-08-12 14:05:00 UTC · against indication v1

Liquidity needM-04

Indication · derived

None. No documented method, so nothing was computed.

Conclusion · adviser judgement

30,000

One known call at year three, confirmed as firm.

adv-sjm · 2026-08-12 14:05:00 UTC · no indication existed

Investable amountE-10Stale — inputs movedDiverges from indicationIndication adopted

Indication · derived

335,000

E-09 less known liquidity calls, recomputed after a second call was recorded at version 2.

Conclusion · adviser judgement

390,000

Adopted as the firm’s position. Recorded as an adoption, not as a default.

adv-sjm · 2026-08-12 14:05:00 UTC · against indication v1

Required riskDV-10

Indication · derived

None. No documented method, so nothing was computed.

Conclusion · adviser judgement

Not concluded

The adviser has not reached a position on this concept. No indication is shown in its place, and nothing downstream may proceed on this concept.

Derivations

Arithmetic the adviser can check. A derivation with no documented method returns nothing and says why, rather than a plausible number nobody approved.

Ref	Derivation	Value	Basis
DV-01	Emergency reserve, in months of committed outgoings	8.57	E-02 divided by D-02.
DV-02	Monthly surplus	650	C-05 less D-01.
DV-03	Net worth	Not derivable	One or more asset values not recorded.
DV-04	Investable amount	335,000	E-09 less known liquidity calls. No reserve adjustment applied: adequacy of the 18000 held is G-03, an adviser judgement.
DV-05	Assessed horizon, years	12	The shortest of the stated holding period, the earliest date any part might be needed, and the earliest essential objective date.
DV-06	Liquidity requirement within the horizon	85,000	Sum of M-01 entries falling within the 12-year assessed horizon.
DV-10a	Required return, % a year	1.62	Compound annual return needed to reach 520000 from 428600 over 12 years, counting recorded surplus as contributions.Limitation · Assumes contributions continue at the current surplus and ignores inflation, tax and charges.
DV-11	Switching cost	Not derivable	U-01 not recorded. COBS 9A.2.18R requires the benefit to be demonstrable against the cost; the cost must therefore be obtained, not assumed.

Conflicts

Detected from concluded positions, never from indications. Nothing auto-resolves; resolution is an adviser act performed elsewhere.

C-01OpenHorizon shorter than an essential objective
The assessed horizon is 8 years; 1 essential objective(s) fall beyond it: Replace my income if I retire at 62 at 12y
COBS 9A.2.8R(1)
C-09OpenKnowledge and experience below what the arrangement requires
Concluded knowledge and experience is "basic" for an arrangement whose risks the client must understand.
COBS 9A.2.4R(c)
C-11OpenEssential objectives exceed available resources
Essential objectives total 520000 against 483600 of capital plus recorded contributions over 12 years, before any return.
COBS 9A.2.4R(a)
C-13OpenRecorded support need alongside a complex arrangement
Resolution is a PROCESS adjustment — a second meeting, a plain-language report, more time. Never a risk adjustment.
FG21/1PRIN 2A.2

Pension boundary

Advising on pension transfers and pension opt-outs falls outside the firm's permission. Detection distinguishes possession from intent.

Safeguarded benefits present: Yes
Active occupational member: Yes
Intention to leave or transfer: Yes
Route-out required: Yes

Routed outNHS Pension Schemesafeguarded-benefits
Referral offered and declined by the client. The journey continued; one question was removed from it, not the client.

Ordinary pension circumstance information is retained and still forms part of the wider suitability picture — see section H below. Removing it would produce a worse suitability position than the exclusion prevents.

Governed decisions outstanding

Recommendations carry no operative force. Each resolves to nothing until it is ruled by the named authority.

R-01Awaiting CEO/SMFWhich client categories does V1 serve?
Recommendation, without force: "retail-only" · Fact-Find Specification §22 R-01
R-02Awaiting MLROAt which journey stage does a business relationship commence?
Recommendation, without force: "engagement" · Fact-Find Specification §22 R-02; AML mapping rows 1 and 2
R-03Awaiting CEO/SMFWithin how many days of attestation may advice be issued?
Recommendation, without force: 90 · Fact-Find Specification §22 R-03
R-06Awaiting CEO/SMFIs Outcome A an answer only, or an ongoing advisory service?
Recommendation, without force: "answer-only" · Fact-Find Specification §22 R-06
R-08Awaiting CEO/SMFHow is the £250,000 figure treated, if at all?
Recommendation, without force: {"amount":250000,"treatment":"target-market-indicator"} · Fact-Find Specification §22 R-08; PROD Decision H
R-12Awaiting CEO/SMFAt what proportion of invested assets does concentration flag?
No recommendation is offered. · Fact-Find Specification §22 R-12
R-14Awaiting CEO/SMFMay the suitability gate be overridden, and on what terms?
Recommendation, without force: "process-stops-overridable-with-record" · Fact-Find Specification §22 R-14
R-05Awaiting CEO/SMFIs advice on investments inside a DC pension wrapper in scope?
Recommendation, without force: false · Fact-Find Specification §22 R-05; Register Permission Record Q-3
PROD-C-DAwaiting BoardWhat are the positive and negative target markets?
No recommendation is offered. · PROD & Target Market Decision Paper, Decisions C and D
R-16Awaiting ComplianceWhat retention period applies to each client-journey record?
No recommendation is offered. · Record Retention Decision Matrix; all fifteen rows

DFM handoff readiness

Readiness only. This workspace does not build, hold, display or transmit a handoff payload.

Not readygate-not-open — No handoff may precede a passed suitability gate.

The recommendation, when it comes, is manager-level: Synergy assesses suitability and arranges the relationship; the discretionary manager maps its own mandate, constructs the portfolio and exercises discretion. No mandate, model or risk level is selected here or anywhere.

Facts and provenance

Every value carries who recorded it, in what capacity, when, and in which version. A value whose provenance cannot be stated is not a record.

Part 1 · pre-meeting profile

P1-04	What prompted you to get in touch	My father died in February and I have inherited more than I know what to do with.	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
P1-06	Approximate value of the assets you may want to discuss	250000-500000	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
P1-10	Are you an existing Synergy Intelligence subscriber	Yes	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1

A · identity and household

A-01	Full legal name	SPECIMEN, Test Client	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
A-02	Date of birth	1970-01-01	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
A-03	Current address and time at address	1 Specimen Way, Testville, ZZ99 9ZZ	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
A-04	Nationality and country of tax residence	United Kingdom	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
A-06	Marital or civil partnership status	widowed	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
A-07	Dependants — number and ages, not names	age: 19 · age: 22	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
A-09	Is any power of attorney, deputyship or trusteeship in place	No	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1

B · client categorisation

B-01	Client category	retail	adviser-entered · adv-sjm 2026-08-12 14:05:00 UTC · v1
B-03	Categorisation notification issued and acknowledged	Yes	system · system 2026-08-12 14:05:00 UTC · v1

C · employment and income

C-01	Employment status	employed	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
C-02	Occupation, and any relevant former profession	Senior radiographer, NHS trust	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
C-04	Gross annual income, by source	61,000	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
C-05	Net monthly income	3,600	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
C-07	Intended retirement age	62	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1

D · expenditure and commitments

D-01	Total regular monthly outgoings	2,950	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
D-02	Committed outgoings that cannot be reduced	2,100	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
D-03	Monthly surplus or deficit	650	system · system 2026-08-11 09:20:00 UTC · v1

E · assets

E-01	Cash held, and where	74,000	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
E-02	Of that cash, the amount held as an emergency reserve	18,000	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
E-03	Invested assets — holding, wrapper, approximate value, provider	ref: Stocks & Shares ISA, value: 96,000 · ref: Legacy share certificate — BP, value: 41,000	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
E-04	Lock-in, exit charge, notice period or unrealised tax consequence on any invested asset	ref: Stocks & Shares ISA, exitCost: 0	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
E-05	Main residence value, and whether it is intended to fund any objective	410,000	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
E-09	Amount the client is considering placing under this arrangement	420,000	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1

F · liabilities

F-04

Any debt in arrears or in a repayment arrangement

client-entered · demo-client
2026-08-11 09:20:00 UTC · v1

G · emergency reserve

G-02	Does the client consider that adequate	Yes	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
G-03	Adequacy of reserve	adequate	adviser-entered · adv-sjm 2026-08-12 14:05:00 UTC · v1

H · pensions

H-01	Do you have pension arrangements	Yes	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
H-02	For each: provider, type, approximate value, contributing, expected retirement age	provider: NHS Pension Scheme, type: defined benefit, contributing: Yes · provider: Aviva personal pension, type: defined contribution, value: 88,000, contributing: No	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
H-03	Does any pension provide a guaranteed or defined-benefit income, GAR, GMP or protected tax-free cash	Yes	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
H-04	Are you currently an active member of an employer scheme	Yes	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
H-05	Are you considering leaving, transferring out of, or opting out of any of these arrangements	Yes	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
H-06	State pension age and forecast obtained	67	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1

K · objectives

K-01	Objectives, in the client's own words	I want the inheritance to do something useful and I do not want to think about it every week.	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
K-02	Structured objectives — purpose, target amount, target date, priority, essential or desirable	purpose: Replace my income if I retire at 62, targetAmount: 520,000, targetInYears: 12, priority: 1, essential: Yes · purpose: Help both children with a deposit, targetAmount: 80,000, targetInYears: 6, priority: 2, essential: No	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
K-03	Which single objective matters most	Replace my income if I retire at 62	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
K-05	What would you do if this money were not there in five years' time	I would keep working. I would be disappointed rather than in trouble.	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1

L · time horizon

L-01

Intended holding period for these assets

client-entered · demo-client
2026-08-11 09:20:00 UTC · v1

M · liquidity

M-01	Known future outgoings within the horizon — amount and date	amount: 30,000, inYears: 3 · amount: 55,000, inYears: 5	client-entered · demo-client 2026-08-15 11:40:00 UTC · v2
M-03	How quickly would you need access if something changed	within-a-month	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1

N · knowledge and experience

N-01	Types of service, transaction and investment you are familiar with	shares · funds	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
N-04	Have you previously held a discretionary or advisory relationship, and how did you find it	No. My husband dealt with all of it.	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
N-05	In your own words, what does it mean to give someone discretion over your investments	It means someone else buys and sells for me and I do not get asked each time.	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1

O · attitude to risk

O-01	Structured attitude-to-risk questionnaire responses	4 · 3 · 4 · 5 · 3	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
O-06	The client's confirmation of the agreed position, in their own words	I would rather grow it slowly than watch it move about.	client-entered · demo-client 2026-08-12 14:05:00 UTC · v1

P · capacity for loss

P-06

The loss the client says they could absorb without changing their plans, as an amount

45,000

client-entered · demo-client
2026-08-12 14:05:00 UTC · v1

Q · restrictions and preferences

Q-01	Ethical, environmental, social or religious restrictions	kind: ethical, detail: Nothing in tobacco or gambling	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
Q-07	Is each restriction essential or a preference	kind: ethical, detail: Nothing in tobacco or gambling, essential: Yes · kind: retained-holding, detail: Keep the BP certificate — it was my father's, essential: No	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1

R · delegation preference

R-01	Would you prefer to decide yourself, be advised on each decision, or delegate	delegate	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
R-02	Why — free text	Because I do not want to be the person deciding when to sell.	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
R-03	Understanding of delegation	established	adviser-entered · adv-sjm 2026-08-12 14:05:00 UTC · v1

S · support needs

S-01	Has anything changed recently in your health, work or family circumstances	My father died in February. I am still sorting out his estate.	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
S-04	Would you like documents in advance, in a different format, or more time	Please send anything long a few days before we speak.	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
S-06	Support adjustments to be applied, and to which stages	adjustment: Documents three working days in advance · adjustment: Second meeting offered before any decision	adviser-entered · adv-sjm 2026-08-12 14:05:00 UTC · v1
S-07	Interaction between any support need and capacity for loss	The bereavement is recent and the sum is unfamiliar. That bears on the pace of the decision and on comprehension. It does not reduce her financial ability to absorb a loss, which rests on secure employment income and an intact reserve.	adviser-entered · adv-sjm 2026-08-12 14:05:00 UTC · v1

T · source of funds

T-01	Where are these funds coming from	Inheritance from my father's estate.	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
T-02	When did they become available	2026-05-30	client-entered · demo-client 2026-08-11 09:20:00 UTC · v1
T-04	Recent-inheritance or bereavement interaction	Yes	system · system 2026-08-12 14:05:00 UTC · v1

V · declarations

V-01	Client attestation that the information is complete and accurate	Yes	client-entered · demo-client 2026-08-12 14:05:00 UTC · v1
V-03	Any question the client declined to answer	C-06 expected changes to income · J-03 capital gains position	system · system 2026-08-12 14:05:00 UTC · v1
V-04	Consents: processing, special category data, and onward transfer	processing · special-category	client-entered · demo-client 2026-08-12 14:05:00 UTC · v1

Audit and version state

The log is append-only. Nothing is overwritten, so the record can be projected as it stood on any earlier version.

Current version: v2
Versions on the log: v1, v2
Events recorded: 85
Values on the record: 63
Attested: 2026-08-12 14:05:00 UTC
Locked to a report: Not locked
Support needs reviewed: Yes
Handoffs sent: 0

Flags

F-05OpenRecent bereavement — February 2026.
F-06DismissedSource-of-wealth trigger: inheritance.Reason · Estate documentation sighted; source of wealth established at the CDD stage and recorded there, not here.
F-15OpenExisting Synergy Intelligence subscriber — research/advice boundary to be made explicit.