SystemBL // JARVIS
ModuleRetirement
Sync17 Jun 2026
Net Worth£189k
BHAG2040 · 14 yrs
Fallback2045 · 19 yrs
Projections · Scenarios · V1 Event · Milestones · State Pension
Retirement
MODEL · 17 JUN 2026
BHAG 2040 on Track
NO
Projected £1.38M vs target £2.30M
Gap: £37k / yr (4% rule)
Fallback 2045 on Track
NO
Projected £2.05M vs target £2.60M
Gap: £22k / yr (4% rule)
Mortgage Status
Ahead
Clearing 2036 vs 2042 target
6 yrs early — £170,000 balance now
◆ Key Metrics
Pot at BHAG 2040
£1.38M
target (25× income): £1.62M today's money
Pot at Fallback 2045
£2.05M
target (25× income): £1.62M today's money
Monthly Contrib Gap (BHAG)
£3,151
extra needed/mo · current: £1,575 · need: £4,726
Mortgage Cleared
2036
6 yrs ahead of 2042 target · monthly £1,336
JARVIS · Retirement Brief
Combined pot sits at £359k against a £189k net worth position including home equity, Sir. Neither BHAG (2040) nor Fallback (2045) targets are on track under current contributions — you need £3,151/month extra for BHAG or £1,052 extra for Fallback. The V1 event in 0 injects £0 net and Option C (balanced split) is recommended. Mortgage clears 2036 — six years ahead of schedule. Emma's pension at 10.3% of Bri's is a priority gap to address. Portfolio projected to survive to approximately 2062 under BHAG or 2075 under Fallback.
◆ Combined Pot Projection 2026–2075
◆ Withdrawal Rate
Withdrawal Rate by Year (%)
◆ Pot Composition Over Time
Pot Composition Over Time
◆ BHAG vs Fallback — Scenario Comparison
BHAG — Retire 2040
Retirement Year2040
Bri's Age60
Emma's Age57
Combined Pot at Retirement£1,381,732
Income Target (inflated)£91,843 / yr
4% Rule Max Income£55,269 / yr
Surplus / (Shortfall)−£36,574 / yr
Withdrawal Rate at Retirement6.6%
Portfolio Survives To~2062
SP Bridge — Bri6 yrs (to 2046)
SP Bridge — Emma9 yrs (to 2049)
Mortgage at RetirementCleared
Fallback — Retire 2045
Retirement Year2045
Bri's Age65
Emma's Age62
Combined Pot at Retirement£2,054,248
Income Target (inflated)£103,912 / yr
4% Rule Max Income£82,170 / yr
Surplus / (Shortfall)−£21,742 / yr
Withdrawal Rate at Retirement5.1%
Portfolio Survives To~2075
SP Bridge — Bri1 yr (to 2046)
SP Bridge — Emma4 yrs (to 2049)
Mortgage at RetirementCleared
◆ V1 Event Modeller — 0
V1 gross proceeds: £0 · CGT (10000000%): £0 · Net proceeds: £0 · How to allocate?
Option A
All to Mortgage
→ Mortgage£0
→ Portfolio£0
→ Pension£0
Mortgage Cleared2036
Pot at BHAG 2040£1,381,732
Pot at Fallback 2045£2,054,248
vs Option C BHAG£0
Option B
All to Portfolio
→ Mortgage£0
→ Portfolio£0
→ Pension£0
Mortgage Cleared2036
Pot at BHAG 2040£1,381,732
Pot at Fallback 2045£2,054,248
vs Option C BHAG+£0
◆ Milestone Tracker
MilestoneNoteYearStatus
£250k Combined PotFirst year ≥ £250k2026On Track
£500k Combined PotFirst year ≥ £500k2029On Track
£750k Combined PotFirst year ≥ £750k2033On Track
£1M Combined PotFirst year ≥ £1m2037On Track
Mortgage ClearedTarget 2042 — currently ahead2036On Track
V1 EventShares sale — £0 net0Confirmed
BHAG RetirementEarly retirement goal2040Behind
Fallback RetirementLatest acceptable retirement year2045Confirmed
Bri State PensionAge 66 — £11,502 / yr (current rates)2046Confirmed
Emma State PensionAge 66 — £11,502 / yr (current rates)2049Confirmed
◆ State Pension Bridge
BHAG Scenario — Retire 2040
Timeline: 2040 → 2049+
Pre-SP
6 yrs
+Bri SP
3 yrs
+Both SP
2040 — Retire2046 — Bri SP2049 — Emma SP
Pot at retirement£1,381,732
Pre-SP withdrawal£91,843 / yr
After both SPs (2049)£51,250 / yr
SP reduces withdrawal by£40,593 / yr
Fallback Scenario — Retire 2045
Timeline: 2045 → 2049+
1 yr
+Bri SP
3 yrs
+Both State Pensions
2045 — Retire2046 — Bri SP2049 — Emma SP
Pot at retirement£2,054,248
Pre-SP withdrawal£103,912 / yr
After both SPs (2049)£63,319 / yr
SP reduces withdrawal by£40,593 / yr
◆ Emma Pension Gap Alert
Emma vs Bri Pension — 2040 (BHAG)
Bri Pension at BHAG
£816k
growing at 7% p.a.
Emma Pension at BHAG
£84k
10.3% of Bri's — flag: below 30%
Gap
−£732k
Emma contrib £200/mo — needs significant increase
Action Required: Emma's pension is critically underfunded at 10.3%% of Bri's — flag is triggered below 30%. Consider increasing Emma's monthly pension contribution substantially (currently £200/mo). Every £100/mo increase adds ~£10,000 to Emma's pension pot by 2040.