Tax & sequencing
The hardest sum in advice, made clear.
Which wrapper to draw first, when to crystallise, how to use allowances — a suboptimal sequence can cost a client tens of thousands. Focus computes the optimal path, and explains it.
Too hard for a human, too important to guess
A typical client's wrapper landscape has thousands of possible transaction paths once you account for tax bands, allowances, crystallisation timing and sequencing across 30+ years. No adviser can evaluate them all by hand — so most fall back on rules of thumb, and money leaks away.
Optimised, then explained
The Lifetime Optimiser computes the mathematically optimal sequence — deterministic, auditable, in seconds (operations research, not AI).
Coming soon — a tax-clarity mode: turning that optimal sequence into a story the client follows: draw here first, crystallise then, because this allowance, this band, this year.
Optimal decumulation, in plain English.
Stop leaving money on the table — and show clients exactly why the plan works.