Disclaimer

Illustration, not advice

Every output produced by Strata Money, figures, charts, projections, scenario comparisons, recommendations the tool may surface, is an educational illustration based on the inputs you provide and our understanding of UK tax and benefit rules for the 2026/27 tax year.

It is not personalised financial, investment, tax or legal advice, not a personal recommendation, and not a regulated financial-promotion activity. It is not a recommendation to buy, sell, hold, contribute to or withdraw from any product, account or investment.

Projections are not forecasts

Long-term projections (retirement income, net-worth trajectories, decumulation runs) depend on assumptions about growth rates, inflation, contribution levels, future tax rules and personal circumstances. Real outcomes will differ, often materially, from any projection. Past performance, where shown, is not a guide to future performance.

Tax rules change

Tax thresholds, allowances, tapers and reliefs reflect rules current to the 2026/27 UK tax year (England, Wales & Northern Ireland). They will change, sometimes mid-year, through Budget announcements and HMRC updates. Always verify figures against gov.uk before relying on them.

Not FCA regulated

Strata Money Limited (registered in England & Wales, company number 17290666) is not authorised or regulated by the Financial Conduct Authority. We do not carry out any regulated activity under the Financial Services and Markets Act 2000. For regulated financial advice, contact an FCA-authorised firm, you can check the FCA register at register.fca.org.uk.

When to seek professional advice

Strata Money is a thinking tool. Before making decisions that have meaningful financial, tax or legal consequences, large pension contributions, salary-sacrifice arrangements, pension drawdown, ISA transfers, mortgage restructuring, business structure changes, you should consult a qualified, FCA-authorised financial adviser, a chartered accountant or a solicitor as appropriate.

No liability for reliance

To the fullest extent permitted by law, Strata Money Limited accepts no liability for any loss, tax liability, missed opportunity or other consequence arising from reliance on the tool's outputs. By using the service you accept that any decision you take is your own.

Contact

Questions about this disclaimer: legal@stratamoney.co.uk.