A CFA-level Google Sheets toolkit to track your ISA, LISA, JISA and pension allowances, plan your financial goals, and see your complete family wealth picture — in one place.
You're earning well, saving diligently — but without a structured framework, critical gaps go unnoticed until it's too late.
Each April 5th, unused ISA (£20,000), LISA (£4,000) and pension allowances (£60,000) expire forever. Most families have no system to track them.
You know you want to retire comfortably or buy a bigger home — but do you know your Funded Ratio or the Required Return to get there?
Overseas assets, foreign pensions, multi-currency accounts — without a unified framework, cross-border families face a planning blind spot.
Your assets, income, goals and risks live in separate spreadsheets — or in your head. You can't optimise what you can't see.
Inheritance tax thresholds, life cover adequacy, and estate planning basics are often ignored until a crisis forces the conversation.
High income doesn't guarantee wealth. Without tracking where money flows and what savings rate you're hitting, it quietly slips away.
A CFA Goal-Based Planning framework, built into a Google Sheet you fill in once — and use for years. No jargon. No subscriptions. Just clarity.
One view for net worth, funded ratio, required return, savings rate, and tax efficiency score — all auto-calculated from your inputs.
Track every asset with tax wrapper tags (ISA, pension, SIPP, LISA). See your tax-sheltered ratio and liquid asset position at a glance.
Full UK allowance tracker: ISA (£20K), LISA (£4K + 25% bonus), JISA (£9K/child), Pension/SIPP (£60K). Annual tax savings estimated automatically.
Map up to 5 goals (retirement, property, education) with CFA-standard Funded Ratio and Required Return calculations for each target.
Estimate the present value of your future income. Understand how your career risk and income trajectory affect your total wealth picture.
Audit your position across Emergency Buffer, Tax-Efficient Wrappers, Investment Portfolio, International Assets, and Protection & Estate Planning.
10 interconnected tabs · Real-time formulas · UK 2025/26 tax year · Instant Google Sheets access
For educational purposes. Not regulated financial advice.
I'm Jing — a CFA Level III candidate, family wealth strategist, and mother of three based in Birmingham, UK. I built this toolkit because I couldn't find one that combined institutional-grade financial frameworks with the real-life complexity of a UK family's balance sheet.
After rebuilding our own family finances from a difficult period, I became obsessed with making the frameworks I studied for CFA — Goal-Based Planning, Funded Ratio, Human Capital — accessible to families who don't have a private banker on speed dial.
"Most financial planning tools either talk down to you or assume you have a fund manager. I built this for the family in between — the ones doing everything right but missing the framework to see it clearly."
— Jing Yan, CFA Level III | Family Wealth Strategist
Practical, jargon-free articles on UK wealth planning — from ISA strategies to goal-based financial frameworks.
Most UK families underuse their tax-advantaged accounts. Here's a simple system to make sure you never miss an allowance again.
Read article →The Funded Ratio is the single most important number in goal-based financial planning. Here's how to calculate yours in under 10 minutes.
Coming soonWith three competing tax wrappers and a limited budget, the order of priority matters more than most families realise. Here's the framework.
Coming soonA one-page checklist covering the 12 most common wealth planning gaps for UK families. Free, instant download.
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