The HerTerms Wealth Record
The definitive annual wealth record — institutional-quality, fully traced, and built around the complete financial lifecycle of a woman. Every asset, every contribution, every entitlement, every exposure — documented, verified, and ready for the institutions that hold your wealth.
ILLUSTRATIVE SAMPLE — Synthetic data for demonstration only. Not a real member. Not financial advice.
HERTERMS
Annual Wealth Statement
Statement Year
2026
ILLUSTRATIVE SAMPLE — Synthetic data for demonstration only. Not a real member. Not financial advice.
Total in Her Name
$612,400
Owned & recognized assets
Separately Held
$214,000
Sole-name, traced
Personal Net Position
$539,400
Assets less liabilities
Documented YoY
+16.4%
From $526,100
Personal Liquidity
$107,400
Sole + joint access
Record Completeness
87%
Of expected records
Funding Readiness
Tier A
Internal classification
Open Exceptions
4
Requiring action
Member: Illustrative Member
Date: 15 January 2026
Currency: USD
Template: HT-ST-2026.1
Methodology: HT-MV-2026.1
Transparent component measures — no opaque overall score. Each indicator reflects a specific quality dimension of the record.
Record Completeness
87%
Value with Evidence
92%
Value Reconciled
78%
Institution Verified
62%
Member Reported
8%
Professional Review
12%
Open Exceptions
4
Verification Mix (by value)
A concise one-page financial position — assets, liabilities, and net position, with excluded amounts clearly separated.
Assets
Assets in Member's Name
$612,400
Member's Documented Share of Joint Assets
$412,000
Total Assets Recognized
$1,024,400
Liabilities
Liabilities in Member's Name
$73,000
Member's Share of Joint Liabilities
$190,000
Total Liabilities
$263,000
Personal Net Position
$539,400
Separately Held Capital
$214,000
Liquid Capital
$107,400
Retirement Capital
$118,000
Property Capital
$220,000
Excluded from Net Worth
Potential Interests (Professional Review Required)
Contributions to partner-titled property; pending classification
$95,000
Expected Inheritance
Estate in administration; not yet received or titled
$150,000
Unvested Compensation
RSU vesting schedule 2026–2028
$48,000
Economic Contributions (Non-Monetary)
Caregiving & household — documented, not monetized
—
Descriptive allocation by factual asset class. Not a recommendation.
| Asset Class | Current Value | Prior Year | Change | Verification |
|---|---|---|---|---|
| Cash & Personal Reserve | $42,400 | $38,000 | +$4,400 | Institution Verified |
| Investments (Brokerage & Platform) | $165,000 | $142,000 | +$23,000 | Institution Verified |
| Retirement / Pension | $118,000 | $98,000 | +$20,000 | Institution Verified |
| Property (Sole & Joint Share) | $220,000 | $198,000 | +$22,000 | Document Supported |
| Business Interests | $42,000 | $38,000 | +$4,000 | Document Supported |
| Receivables & Other | $25,000 | $12,100 | +$12,900 | Document Supported |
| Total | $612,400 | $526,100 | ||
HerTerms' signature section. For every material record: who legally holds it, who can control it, who can access it. Ownership, control, and access are different things.
| Asset / Account | Institution | Owner | % | Control | Access | Jurisdiction | Value | Verification |
|---|---|---|---|---|---|---|---|---|
| High-Yield Savings | First National Bank | Member | 100% | Member Alone | Immediate | United Kingdom | $42,400 | Institution Verified |
| Investment Portfolio — Managed | Sterling Wealth Platform | Member | 100% | Member Alone | Immediate | United Kingdom | $165,000 | Institution Verified |
| SIPP — Personal Pension | Aviva | Member | 100% | Third-Party / Trustee Controlled | Locked / Term Restricted | United Kingdom | $118,000 | Institution Verified |
| Inherited Property — Dubai | Dubai Land Department | Member | 100% | Member Alone | Immediate | United Arab Emirates | $214,000 | Document Supported |
| Family Home — London (Joint) | HM Land Registry | Joint | 50% | Joint Authority | Notice Required | United Kingdom | $360,000 | Document Supported |
| Business Equity — Atelier Studio Ltd | Companies House | Member | 60% | Member Alone | Restricted | United Kingdom | $42,000 | Document Supported |
| Shareholder Loan Receivable | Atelier Studio Ltd | Member | 100% | Member Alone | Notice Required | United Kingdom | $18,000 | Document Supported |
| Salary Receivable — Q4 Bonus | Employer Corp | Member | 100% | Member Alone | Immediate | United Kingdom | $7,000 | Document Supported |
| Joint Investment Account | Sterling Wealth Platform | Joint | 50% | Joint Authority | Immediate | United Kingdom | $104,000 | Institution Verified |
| Digital Assets (Custodied) | Regulated Custodian | Member | 100% | Member Alone | Immediate | United Kingdom | $6,000 | Document Supported |
Control classifications: Member Alone · Joint Authority · Third-Party / Trustee Controlled · Restricted · Unknown
Access classifications: Immediate · Notice Required · Locked / Term Restricted · Contingent · Unknown
All financial capital legally registered directly to the member.
| Type | Current Value | Prior Year | Change | Institution | Verification |
|---|---|---|---|---|---|
| Cash | $42,400 | $38,000 | +$4,400 | First National Bank | Institution Verified |
| Investment | $165,000 | $142,000 | +$23,000 | Sterling Wealth Platform | Institution Verified |
| Pension | $118,000 | $98,000 | +$20,000 | Aviva | Institution Verified |
| Property | $214,000 | $198,000 | +$16,000 | Dubai Land Department | Document Supported |
| Business | $42,000 | $38,000 | +$4,000 | Companies House | Document Supported |
| Receivables | $25,000 | $12,100 | +$12,900 | Multiple | Document Supported |
| Digital Assets | $6,000 | $4,200 | +$1,800 | Regulated Custodian | Document Supported |
For each asset: where it came from, who contributed, and whether it can be traced as separately held. HerTerms does not make final legal classifications automatically.
| Asset | Acquired | Acq. Value | Current | Title | Source of Funds | Member Contrib. | Classification | Review |
|---|---|---|---|---|---|---|---|---|
| Inherited Property — Dubai | 2022-03-15 | $180,000 | $214,000 | Sole | Inheritance | $0 | Clearly Separately Held | Not Required |
| Pre-Relationship Savings | 2019-06-01 | $67,000 | $67,000 | Sole | Salary | $67,000 | Clearly Separately Held | Not Required |
| Family Home — London (Joint) | 2023-08-01 | $680,000 | $720,000 | Joint | Joint Savings + Mortgage | $85,000 | Shared / Joint | Not Required |
| Investment Portfolio | 2021-01-15 | $50,000 | $165,000 | Sole | Salary + Business Income | $165,000 | Clearly Separately Held | Not Required |
| Business Equity — Atelier Studio Ltd | 2022-09-01 | $20,000 | $42,000 | Sole (60%) | Business Income | $20,000 | Clearly Separately Held | Not Required |
| Contribution to Spouse's Property | 2024-05-01 | $45,000 | $45,000 | Spouse Sole | Member Salary | $45,000 | Professional Review Required | Required — legal classification pending |
Record classifications: Clearly Separately Held · Shared / Joint · Mixed / Commingled · Classification Pending · Professional Review Required. HerTerms does not make final legal classifications automatically.
Documented direct contributions to capital assets. Preserves the financial provenance of capital over time.
| Date | Amount | Source | Destination | Asset Created | Ownership | Evidence | Verification |
|---|---|---|---|---|---|---|---|
| 2025-03-15 | $5,000 | Salary | High-Yield Savings | Cash Reserve | Sole | Bank transfer | Document Supported |
| 2025-06-01 | $12,000 | Business Income | Investment Portfolio | Investment | Sole | Platform deposit | Institution Verified |
| 2025-06-15 | $8,000 | Salary | Mortgage Principal | Property Equity | Joint | Mortgage statement | Document Supported |
| 2025-09-01 | $15,000 | Inheritance (Partial) | Investment Portfolio | Investment | Sole | Estate distribution record | Document Supported |
| 2025-10-01 | $6,000 | Salary | SIPP Pension | Retirement Capital | Sole (Trustee) | Pension statement | Institution Verified |
| 2025-12-01 | $45,000 | Salary | Spouse's Property Renovation | Property Improvement | Spouse Sole | Bank transfer | Document Supported |
Non-monetary contributions that should be documented. These are NOT automatically treated as legally recoverable assets.
ECONOMIC CONTRIBUTION RECORD — NOT A DETERMINATION OF LEGAL ENTITLEMENT
| Period | Contribution Type | Income Impact | Retirement Impact | Monetary Cost | Review Status | Notes |
|---|---|---|---|---|---|---|
| 2022–2024 | Unpaid Work in Family Business | $24,000 | $3,600 | — | Documented | Estimated 2 days/week operational role |
| 2021–2023 | Caregiving-Related Career Interruption | $85,000 | $12,000 | — | Professional Review Pending | 18-month parental leave; reduced hours 12 months |
| 2024–2025 | Reduced Working Hours | $18,000 | $2,400 | — | Documented | 4-day week for 12 months |
| 2023–2025 | Direct Improvements to Spouse's Property | — | — | $45,000 | Professional Review Pending | Renovation costs to spouse-titled property |
Factual effects of career interruptions on retirement and compensation. Does not calculate speculative lifetime lost earnings as an asset.
| Period | Type | Lost Employer Pension | Reduced Personal Pension | Reduced Employer Match | Compensation Diff. | Benefit Diff. |
|---|---|---|---|---|---|---|
| 2021–2022 | Parental Leave (18 months) | $5,400 | $7,200 | $2,700 | $42,000 | $8,000 |
| 2024–2025 | Reduced Hours (4-day week) | $1,200 | $2,400 | $600 | $18,000 | — |
| 2023 | Relocation for Household | $1,800 | $3,600 | $900 | $15,000 | $3,000 |
Full leave followed by 6-month phased return
Optional planning calculation comparing expected vs. actual retirement contributions during interruptions.
Expected Contributions (Baseline)
$57,000
Actual Contributions
$38,100
Contribution Gap
$18,900
Expected retirement contributions had no career interruption occurred (baseline: 12% employer + 8% personal = 20% of £95,000 reference salary)
PLANNING CALCULATION — NOT A LEGAL CLAIM. NOT INVESTMENT ADVICE. Professional review recommended before action.
All meaningful financial inflows by category, showing gross, net, and amount directed to personal capital.
| Category | Gross | Net | Destination | Directed to Personal Capital | Verification |
|---|---|---|---|---|---|
| Salary | $242,000 | $167,000 | Multiple | $120,000 | Institution Verified |
| Business Distribution | $36,000 | $31,000 | Investment Portfolio | $31,000 | Document Supported |
| Inheritance (Partial Distribution) | $15,000 | $15,000 | Investment Portfolio | $15,000 | Document Supported |
| Dividend (Joint Investment) | $4,200 | $3,400 | Joint Account | — | Institution Verified |
| Rental Income (Dubai Property) | $14,000 | $11,200 | High-Yield Savings | $11,200 | Document Supported |
| Interest | $2,800 | $2,800 | Cash | $2,800 | Institution Verified |
Full compensation record including equity. Unvested compensation is not counted as owned wealth unless methodology permits and labels it separately.
| Type | Current Value | Vested | Exercise / Expiry | Reference Value | Review Flag |
|---|---|---|---|---|---|
| Base Salary | $242,000 | Vested | — | — | — |
| Annual Bonus | $24,000 | Vested | — | — | — |
| Employer Pension Contribution | $18,000 | Unvested | Age 55 | $18,000 | — |
| RSUs (Vested) | $22,000 | Vested | — | $22,000 | — |
| RSUs (Unvested) | $48,000 | Unvested | 2026–2028 | $48,000 | Review Required |
| Carried Interest (Business) | — | Unvested | Subject to exit | — | Review Required |
Unvested compensation ($48,000 RSUs) is excluded from Total in Her Name. It is tracked separately and labeled accordingly.
Dedicated retirement section with plan details, vesting, contributions, and beneficiary status.
Total Retirement Capital
$118,000
Prior Year
$98,000
Change
+$20,000
Contribution Gap
$18,900
| Plan | Institution | Jurisdiction | Owner | Current Value | Vested Value | Contributions (Yr) | Employer Contrib. | Beneficiary | Access Age | Prior Year |
|---|---|---|---|---|---|---|---|---|---|---|
| SIPP — Personal Pension | Aviva | United Kingdom | Member | $92,000 | $92,000 | $6,000 | $0 | Spouse (Primary), Child (Contingent) | 55 | $78,000 |
| Employer DC Pension | Scottish Widows | United Kingdom | Member | $26,000 | $18,000 | $2,000 | $18,000 | Spouse (Primary), Child (Contingent) | 55 | $20,000 |
Trend: Recovering — contributions below baseline due to career interruption
Spousal / Partner Rights: Potential spousal pension rights exist in employer DC scheme. Professional review recommended for pension sharing determination.
Beneficiary Review: Required — last review 18+ months ago
Does not predict retirement adequacy. Potential spousal / divorce pension rights require professional review. Never include another person's pension as member-owned wealth without validated entitlement.
Personal and shared property with full tracing records — acquisition, contributions, source of funds, and current valuation.
| Property | Jurisdiction | Title | Owners | % | Acquired | Acq. Price | Current Value | Mortgage | Equity | Member Contrib. | Rental Income |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Inherited Property — Dubai | United Arab Emirates | Sole | Member | 100% | 2022-03-15 | $180,000 | $214,000 | — | $214,000 | $0 | $14,000 |
| Family Home — London | United Kingdom | Joint | Member & Spouse | 50% | 2023-08-01 | $680,000 | $720,000 | $380,000 | $340,000 | $85,000 | — |
For property not solely titled to the member: documented contributions preserved. Legal effect requires jurisdiction-specific review.
| Property | Down Payment | Mortgage Principal | Capital Improvements | Purchase Costs | Taxes / Insurance | Total Contributed |
|---|---|---|---|---|---|---|
| Family Home — London | $85,000 | $16,000 | $12,000 | $4,000 | $3,000 | $120,000 |
| Spouse's Investment Property | $0 | $0 | $45,000 | $0 | $0 | $45,000 |
Family Home — London: Documented Contribution — Legal Effect Requires Jurisdiction-Specific Review
Spouse's Investment Property: Documented Contribution — Legal Effect Requires Jurisdiction-Specific Review
DOCUMENTED CONTRIBUTION — LEGAL EFFECT REQUIRES JURISDICTION-SPECIFIC REVIEW. Do not convert these contributions automatically into a legal ownership percentage.
Business interests, equity, valuations, and shareholder records. Essential for women founders and business owners.
| Entity | Jurisdiction | Role | Legal % | Beneficial % | Share Class | Shares | Capital Invested | Current Value | Dividends | Valuation Source |
|---|---|---|---|---|---|---|---|---|---|---|
| Atelier Studio Ltd | United Kingdom | Director & Co-Founder | 60% | 60% | Ordinary A | 6000 | $20,000 | $42,000 | $36,000 | Director Estimate |
Contractual amounts due from business interests. Only counted as receivables when supported by evidence.
| Type | Amount | Evidence |
|---|---|---|
| Shareholder Loan Receivable | $18,000 | Document Supported |
| Declared Distribution Receivable | $5,000 | Document Supported |
| Accrued Director Fee | $2,000 | Document Supported |
Operational gaps flagged for review. Generates Pathways. Does not make legal conclusions.
Credit file status, individual credit position, and funding readiness. Funding readiness is an internal documentation classification — not a credit bureau score or lending decision.
Credit File Exists
Experian & Equifax
Yes
2025-11-01
Accounts Reporting in Member's Name
All in good standing
5 accounts
2025-11-01
Individual Credit Lines
Total available: $48,000
3 active
2025-11-01
Joint Credit Accounts
Joint mortgage + joint card
2 accounts
2025-11-01
Authorized User Accounts
Spouse's card — member is authorized user
1 account
2025-11-01
Credit Utilization
Within healthy range
12%
2025-11-01
Credit Score
Experian
782
2025-11-01
Payment History
No late payments 24 months
Excellent
2025-11-01
Errors / Disputes
—
None
2025-11-01
Funding Readiness
Internal documentation readiness classification — not a credit score or lending decision
Tier A
2025-11-01
Funding Readiness is an internal documentation/readiness classification. It is NOT a credit bureau score, a lending decision, or a guarantee of financing.
Full liabilities section with borrower, balance, rate, payment, maturity, collateral, and guarantor.
| Type | Borrower | Sole / Joint | Balance | Rate | Payment | Maturity | Collateral | Guarantor | Member Liability |
|---|---|---|---|---|---|---|---|---|---|
| Mortgage | Joint | Joint | $380,000 | 4.2% | $2,100 | 2048 | Family Home — London | — | $190,000 |
| Personal Loan | Member | Sole | $12,000 | 6.5% | $350 | 2027 | — | — | $12,000 |
| Credit Card | Member | Sole | $2,800 | 19.9% | $300 | Revolving | — | — | $2,800 |
| Student Loan | Member | Sole | $8,200 | 1.5% | $120 | 2029 | — | — | $8,200 |
| Business Loan (Personal Guarantee) | Member (Guarantor) | Sole | $50,000 | 7% | $950 | 2030 | Business Assets | Member | $50,000 |
Joint debt, guarantees, and co-signed obligations. Does not infer legal liability — uses contractual evidence.
| Item | Total Amount | Member Exposure | Note |
|---|---|---|---|
| Joint Mortgage | $380,000 | $190,000 | Joint and several liability |
| Business Loan Guarantee | $50,000 | $50,000 | Personal guarantee — full exposure |
| Joint Credit Card | $4,200 | $2,100 | Joint and several liability |
| Spouse's Car Finance (Co-Signed) | $28,000 | $28,000 | Co-signed — full liability exposure |
Does not infer legal liability. Uses contractual evidence only. Authorized user ≠ legal borrower.
Amounts due to the member, classified by evidence level. Only verified or document-supported amounts are included in net position.
| Type | Counterparty | Amount | Classification | Due Date | Notes |
|---|---|---|---|---|---|
| Shareholder Loan Receivable | Atelier Studio Ltd | $18,000 | Document Supported | On demand | Loan agreement on file |
| Declared Distribution | Atelier Studio Ltd | $5,000 | Document Supported | Q1 2026 | Board resolution dated 2025-12-15 |
| Salary Bonus Receivable | Employer Corp | $7,000 | Verified Receivable | 2026-02-15 | Employment contract |
| Tax Refund | HMRC | $3,200 | Document Supported | Pending | Self-assessment filed |
| Insurance Claim | AXA Insurance | $4,500 | Document Supported | Pending | Claim filed, under review |
| Estate Distribution (Expected) | Estate of [Family Member] | $135,000 | Contingent | Estate in administration | Not included in net worth — see Inheritance section |
Interests that are NOT included in Total in Her Name. These require professional review before any classification can be made.
DO NOT INCLUDE IN NET WORTH — NOT ASSETS UNTIL VALIDATED
| Type | Description | Estimated Value | Status | In Net Worth? |
|---|---|---|---|---|
| Contribution to Other-Titled Asset | $45,000 renovation to spouse's solely-titled property | $45,000 | Professional Review Required | NO |
| Potential Marital / Community Property Interest | Share of joint home appreciation and spouse's pre-marital pension | $50,000 | Professional Review Required | NO |
| Potential Beneficial Interest | Trust beneficiary — maternal family trust (UK) | Unknown | Professional Review Required | NO |
| Unadministered Estate Interest | Estate of family member — inheritance in administration | $135,000 | Expected / Contingent | NO |
| Potential Business Interest | Advisory equity in former employer — subject to vesting | Unknown | Contingent | NO |
Transparent reconciliation. Prevents inflated net-worth presentation.
| Category | Amount |
|---|---|
| Potential Interests (Professional Review Required) | $95,000 |
| Expected Inheritance | $135,000 |
| Unvested Compensation | $48,000 |
| Economic Contributions (Non-Monetary) | Not monetized |
| Total Owned / Recognized Assets (in net worth) | $612,400 |
| Total Excluded (not in net worth) | $278,000 |
Total Excluded = Potential Interests ($95,000) + Expected Inheritance ($135,000) + Unvested Compensation ($48,000). Economic Contributions are documented but not monetized.
Expected and received inheritances. Expected inheritance is NOT counted as owned wealth.
| Asset | Status | Estate | Asset Type | Jurisdiction | Est. Value | Actual Value | Estate Status | Distribution Status | Title Transfer | Professional Review |
|---|---|---|---|---|---|---|---|---|---|---|
| Inherited Property — Dubai | Received | Maternal estate | Property | UAE | $214,000 | $214,000 | Distributed | Complete | Complete | Not Required |
| Cash Distribution (Partial) | Received | Maternal estate | Cash | UK | $15,000 | $15,000 | In administration (partial) | Partial | N/A | Not Required |
| Expected Distribution (Remaining) | Expected | Maternal estate | Mixed | UK | $135,000 | — | In administration | Pending | Pending | Required |
Expected inheritance must not be counted as owned wealth. Only received and titled assets are included in Total in Her Name.
Factual readiness indicators for wealth transfer.
Asset Location Known
✓ Ready
Beneficiary Documents Known
✓ Ready
Estate Contact Known
✓ Ready
Expected Asset Types Known
✓ Ready
Tax Review Required
✓ Ready
Account / Custody Destination Prepared
⚠ Not Ready
Title Transfer Pending
✓ Ready
Coverage, beneficiaries, and review dates. Does not recommend coverage amounts unless an approved professional methodology is used.
| Type | Insured | Owner | Beneficiary | Coverage | Premium | Expiry | Review Date |
|---|---|---|---|---|---|---|---|
| Life Insurance | Member | Member | Spouse (Primary), Child (Contingent) | $500,000 | $1,200 | 2035 | 2026-06-01 |
| Income Protection | Member | Member | Member | $80,000 | $900 | Renewable annually | 2026-03-01 |
| Health Insurance | Member & Family | Member | Member | $2,000,000 | $4,200 | 2026-12-31 | 2026-11-01 |
| Property Insurance (Dubai) | Inherited Property | Member | Member | $250,000 | $1,800 | 2026-07-31 | 2026-06-01 |
| Property Insurance (London) | Family Home | Joint | Member & Spouse | $800,000 | $2,400 | 2026-09-30 | 2026-08-01 |
| Key Person Insurance | Atelier Studio Ltd | Company | Company | $200,000 | $1,500 | 2027-01-01 | 2026-12-01 |
Beneficiary status for retirement, insurance, and investment accounts. Critical for ensuring assets transfer as intended.
| Account | Beneficiary on File | Last Reviewed | Primary | Contingent | Status |
|---|---|---|---|---|---|
| SIPP — Aviva | Yes | 2024-03-01 | Spouse | Child | Review Required (18 months since last review) |
| Employer DC Pension | Yes | 2024-06-01 | Spouse | Child | Review Required (18 months since last review) |
| Life Insurance | Yes | 2023-11-01 | Spouse | Child | Review Required (24+ months since last review) |
| Investment Portfolio | No | Never | — | — | Beneficiary Designation Required |
| Joint Investment Account | Yes | 2024-09-01 | Spouse (Survivorship) | Child | Up to date |
Existence and status of key estate documents. Does not provide legal advice — pathways to qualified counsel.
Will
2023-06-01
Trust / Foundation
N/A
Power of Attorney
2023-06-01
Health Proxy
2023-06-01
Guardianship Instructions
2023-06-01
Business Succession Plan
N/A
Executor / Trustee Identified
2023-06-01
Emergency Financial Access Plan
N/A
Cryptoassets, digital custody, and digital property. Never stores private keys, seed phrases, or passwords.
| Asset | Custodian | Ownership | Reference | Value | Valuation Date | Succession Plan |
|---|---|---|---|---|---|---|
| Bitcoin (BTC) | Regulated Custodian | Sole | Custody Account ****42 | $6,200 | 2025-12-31 | Review Required |
| Ethereum (ETH) | Regulated Custodian | Sole | Custody Account ****42 | $2,200 | 2025-12-31 | Review Required |
| Domain Portfolio | Namecheap | Sole | herterms.io, atelier-studio.com | $0 | N/A | Not Established |
HerTerms never stores private keys, seed phrases, or passwords. Only asset metadata, custodian references, ownership, and succession plan status are tracked.
Trademarks, copyrights, patents, domains, royalty rights, and creator revenue.
| Type | Owner | Registration | Jurisdiction | Revenue | Valuation | Expiry |
|---|---|---|---|---|---|---|
| Trademark | Atelier Studio Ltd | UK00003xxxxxx | United Kingdom | — | — | 2032 |
| Copyright (Course Content) | Member | — | United Kingdom | $4,200 | — | Life + 70 years |
| Domain | Member | herterms.io | International | — | $5,000 | 2026-12-31 |
Administrative tax information relevant to financial legibility. Does not calculate tax advice.
Tax Residence
United Kingdom
Reporting Currency
USD
Tax Basis / Acquisition Basis
Recorded for inherited property and investment portfolio
Unrealized Gain Reference
Investment portfolio: $115,000 cost / $165,000 current = $50,000 unrealized
Withholding
Not applicable
Tax-Advantaged Status
SIPP & ISA accounts — UK tax-advantaged
Foreign Account Reporting Review
Dubai property — FBAR/FATCA review required
Capital Gains Review Required
Investment portfolio rebalancing triggered taxable events
Assets and obligations by jurisdiction, currency, and custodian. Generates professional pathways for tax, legal, banking, estate, and reporting.
| Jurisdiction | Currency | Assets | Obligations | Reporting Status | Transferability | Ownership |
|---|---|---|---|---|---|---|
| United Kingdom | GBP | $498,400 | $125,000 | Current | Standard | Sole & Joint |
| United Arab Emirates | AED | $214,000 | $0 | Review Required | Standard | Sole |
Does not automatically determine regulatory requirements. Professional pathways recommended for tax, legal, banking, estate, and reporting matters.
Descriptive record of how capital moved during the year. Not investment advice.
| Flow | Amount |
|---|---|
| Income / Capital Received | $311,400 |
| Amount Saved | $17,500 |
| Amount Invested | $57,000 |
| Amount Directed to Retirement | $8,000 |
| Amount Directed to Business Equity | $0 |
| Amount Used for Debt Principal | $18,000 |
| Amount Directed to Member-Owned Capital | $82,500 |
| Major Transfers to Joint Capital | $12,000 |
| Major Transfers Out (Spouse Property) | $45,000 |
The proportion of defined new capital inflows directed into assets registered to or beneficially held for the member.
Total New Capital Inflows
$311,400
Directed to Personal Capital
$82,500
Allocation Rate
26.5%
Methodology
Includes
The proportion of defined new capital inflows during the reporting period that was directed into assets registered to or beneficially held for the member according to approved methodology.
Includes salary, business income, investment income, and inheritance distributions directed to sole-name or beneficially-held accounts. Excludes amounts directed to joint accounts, household expenses, or consumed.
Included
Excluded
Descriptive metric. Not a legal entitlement. Not investment advice.
Liquid capital the member can access, with member-defined reserve target. Not investment advice.
Sole-Access Liquidity
$42,400
Joint-Access Liquidity
$65,000
Restricted Liquidity
$0
Total Liquidity
$107,400
Reserve Target
$50,000
Current Sole Reserve
$42,400
Coverage %
84.8%
Months of Expenses
6.2
@ $6,800/mo
Member-defined reserve target. Not investment advice.
Visual bridge from prior year to current year personal net position.
Prior Year Net Position
$463,400
Total Change
+$76,000
Current Year Net Position
$539,400
Optional planning records. Not guarantees or advice. Pathways may route to appropriate professionals.
| Goal | Target | Actual | Progress |
|---|---|---|---|
| Emergency Reserve | $50,000 | $42,400 | 84.8% |
| Annual Personal Investment Contribution | $60,000 | $57,000 | 95.0% |
| Retirement Contribution | $20,000 | $8,000 | 40.0% |
| Debt Reduction | $20,000 | $18,000 | 90.0% |
Factual conditions identified for review. No item is described as recoverable money unless evidence supports that characterization.
| Issue | Category | Amount | Evidence |
|---|---|---|---|
| Income not currently allocated to personal capital | MEMBER ACTION | — | Cash flow analysis |
| Retirement contribution below selected plan | MEMBER ACTION | $18,900 | Career gap impact analysis |
| Unclaimed / Pending Receivable | MEMBER ACTION | $3,200 | Tax refund filed |
| Undocumented Business Equity (Cap Table) | BUSINESS ACTION | — | Cap table present |
| Asset Contribution Without Supporting Evidence | DOCUMENTATION ACTION | $45,000 | Bank transfer to spouse property |
| Expired Beneficiary Review | DOCUMENTATION ACTION | — | Life insurance: 24+ months since review |
| Missing Ownership Document | DOCUMENTATION ACTION | — | Share certificate missing |
| Joint Liability Exposure | EXPOSURE | $190,000 | Joint mortgage |
| Guarantee Exposure | EXPOSURE | $50,000 | Business loan personal guarantee |
| Insurance Gap | INSURANCE REVIEW | — | No critical illness cover |
| Tax Refund Pending | MEMBER ACTION | $3,200 | Self-assessment filed |
| Estate Distribution Pending | PARTNER / COUNTERPARTY ACTION | $135,000 | Estate in administration |
| Stale Valuation | DOCUMENTATION ACTION | — | Business valuation: director estimate, no independent appraisal |
| Dormant Asset | MEMBER ACTION | — | Domain portfolio: no succession plan |
| Emergency Financial Access Plan Missing | DOCUMENTATION ACTION | — | No documented plan |
Factual actions supported by Statement conditions. Grouped by domain.
DOCUMENT
OWNERSHIP
LIQUIDITY
RETIREMENT
BUSINESS
CREDIT
PROPERTY
INSURANCE
SUCCESSION
TAX
Every meaningful unresolved issue may lead to a HerTerms Pathway. Pathways route to approved regulated/professional partners. Not advice.
| Pathway Family | Pathway | Status | Description | Partner Type |
|---|---|---|---|---|
| Retirement | Retirement Contribution Review | Identified | Review pension contribution gap and explore personal contribution pathway | Regulated Financial Adviser |
| Business Ownership | Share Documentation Review | Member Reviewing | Obtain missing share certificate and formalize IP assignment | Company Secretary / Legal |
| Estate / Succession | Beneficiary Review | Identified | Update beneficiary designations on life insurance and investment accounts | Estate Planning Solicitor |
| Property / Title | Property Contribution Documentation | Member Reviewing | Document $45,000 contribution to spouse's property — legal classification requires professional review | Family Law Solicitor |
| Credit | Credit File Review | Identified | Review individual credit position and address authorized-user accounts | Credit Reference Agency |
| Estate / Succession | Estate Planning Referral | Identified | Establish trust, business succession plan, and emergency financial access plan | Estate Planning Solicitor |
| Legal | Separation / Marital Property Review | Identified | Professional review of potential marital property interests and contribution to spouse-titled property | Family Law Solicitor |
| Tax | Cross-Border Tax Review | Identified | FBAR/FATCA review for Dubai property; capital gains review for portfolio rebalancing | Cross-Border Tax Adviser |
| Insurance | Insurance Gap Review | Identified | Review critical illness cover and business succession insurance | Insurance Broker |
| Digital Asset Custody | Digital Asset Succession Plan | Identified | Establish succession and access plan for custodied digital assets | Digital Asset Custodian / Estate Solicitor |
A Statement may say 'Individual retirement contribution pathway available.' It should NOT say 'Buy Fund X.' A Statement may say 'Property title requires professional review.' It should NOT determine legal ownership. No partner referral without appropriate consent.
The record is designed so financial institutions recognize its terminology. Future consent-driven extracts contain only the information relevant to the receiving professional.
Lender Readiness File
Income verification, asset documentation, debt service, collateral
Adviser Record
Full financial position for regulated financial advice
Counsel / Separation File
Property, contributions, and tracing records for legal proceedings
Tax Preparation Index
Tax-relevant records for tax filing
Estate Planning Index
Assets, beneficiaries, and succession readiness
Insurance Review File
Coverage gaps and policy details
Do not expose the entire Statement automatically. Sensitive sections may be omitted from institution extracts. Member consent required for all external sharing.
Transparent metrics — no opaque scoring. Each indicator reflects a specific quality dimension.
Record Completeness
87%
Value with Evidence
92%
Value Reconciled
78%
Institution Verified
62%
Member Reported
8%
Professional Review
12%
Stale Records
3
Open Exceptions
4
Verification Mix (by value)
Clear verification levels. Member Reported is never presented as verified truth.
Institution / Partner Verified
Data received directly from a regulated financial institution or approved partner through secure, automated connections.
Example: Bank balance pulled from your bank's API.
Reconciled
Record cross-checked against an independent source and confirmed to match.
Example: Investment balance matches platform statement and custodian feed.
Document Supported
Information supported by uploaded source documents — statements, deeds, contracts.
Example: Property deed linked to your property record.
Professionally Reviewed
Reviewed and confirmed by a qualified professional — solicitor, accountant, adviser.
Example: Business valuation confirmed by chartered accountant.
Member Reported
Self-reported by the member without supporting documentation. Recorded and visible, but carries lower confidence.
Example: You note an expected inheritance.
Exception / Conflict
Record has a data conflict, missing evidence, or requires professional resolution.
Example: Property contribution awaiting legal classification.
Unverified
No verification source has been applied. Lowest confidence.
Example: Advisory equity in former employer — unconfirmed.
Every record's source, date, verification, and review status. Sensitive source documents are not exposed in the public sample.
| Record | Source Type | Source Date | Verification | Last Updated | Review Status |
|---|---|---|---|---|---|
| High-Yield Savings Balance | Institution API | 2025-12-31 | Institution Verified | 2025-12-31 | Current |
| Investment Portfolio Valuation | Platform Statement | 2025-12-31 | Institution Verified | 2025-12-31 | Current |
| SIPP Pension Valuation | Provider Statement | 2025-12-31 | Institution Verified | 2025-12-31 | Current |
| Inherited Property Valuation | Independent Appraisal | 2025-10-01 | Document Supported | 2025-10-01 | Current |
| Family Home Valuation | Comparative Market Analysis | 2025-09-15 | Document Supported | 2025-09-15 | Current |
| Business Equity Valuation | Director Estimate | 2025-11-30 | Document Supported | 2025-11-30 | Stale — independent appraisal recommended |
| Shareholder Loan | Loan Agreement | 2023-01-15 | Document Supported | 2025-12-31 | Current |
| Contribution to Spouse Property | Bank Transfer Records | 2025-12-01 | Document Supported | 2025-12-01 | Professional Review Required |
Open exceptions requiring attention. Each has an owner, next action, and status.
| Type | Detail | Owner | Next Action | Status |
|---|---|---|---|---|
| Missing Evidence | Share certificate for Atelier Studio Ltd not on file | Member | Obtain from company secretary | Open |
| Stale Valuation | Business equity based on director estimate — no independent appraisal | Member | Commission independent valuation | Open |
| Unknown Ownership | Advisory equity in former employer — unverified | Member | Request confirmation from former employer | Open |
| Incomplete Tracing | $45,000 contribution to spouse's property — legal classification pending | Member | Engage family law solicitor | Open |
| Pending Professional Review | Potential marital property interest in spouse's pre-marital pension | Member | Engage family law solicitor | Open |
Annual changes to material records.
| Date | Change | Detail |
|---|---|---|
| 2025-09-15 | Property revaluation — Family Home London | $680,000 → $720,000 |
| 2025-10-01 | Property revaluation — Dubai | $198,000 → $214,000 |
| 2025-06-15 | Mortgage principal payment | $8,000 applied to joint mortgage |
| 2025-09-01 | Inheritance received (partial) | $15,000 cash distribution |
| 2025-06-01 | Investment portfolio deposit | $12,000 from business income |
| 2025-10-01 | Pension contribution | $6,000 to SIPP |
| 2025-12-01 | Asset transfer to spouse property | $45,000 renovation contribution |
| 2025-03-15 | Savings contribution | $5,000 to high-yield savings |
For every derived metric: definition, formula, included/excluded records, source, and methodology version. No opaque calculations.
Total in Her Name
Formula
Sum of all assets legally registered to or beneficially held for the member
Included / Excluded
Sole-name assets + member's documented share of joint assets
Potential interests, expected inheritance, unvested compensation, economic contributions
Source: Ownership & Control Map · Methodology: HT-MV-2026.1
Personal Net Position
Formula
Total in Her Name − Total Liabilities (member share)
Included / Excluded
All recognized assets and liabilities
Excluded items per methodology
Source: Executive Position · Methodology: HT-MV-2026.1
Separately Held
Formula
Sum of assets classified as 'Clearly Separately Held'
Included / Excluded
Sole-name assets with traced provenance
Joint assets, commingled assets, classification pending
Source: Separation & Provenance · Methodology: HT-MV-2026.1
Personal Capital Allocation
Formula
Directed to Personal Capital ÷ Total New Capital Inflows × 100
Included / Excluded
Savings, investment, retirement contributions to sole/beneficial accounts
Joint account deposits, household expenses, transfers to spouse-titled property
Source: Capital Flow · Methodology: HT-MV-2026.1
Record Completeness
Formula
Records with evidence ÷ Total expected records × 100
Included / Excluded
All entity records
—
Source: Record Integrity · Methodology: HT-MV-2026.1
Documented YoY
Formula
(Current Year Net Position − Prior Year Net Position) ÷ Prior Year × 100
Included / Excluded
All recognized assets and liabilities
Excluded items per methodology
Source: Annual Change Bridge · Methodology: HT-MV-2026.1
HerTerms certifies process, never truth.
The Statement is a record and intelligence product. It is not legal advice, tax advice, investment advice, credit approval, asset custody, ownership adjudication, valuation certification, or a guarantee of entitlement.
Template: HT-ST-2026.1 · Methodology: HT-MV-2026.1 · Generated: 2026-01-15
ILLUSTRATIVE SAMPLE — Synthetic data for demonstration only. Not a real member. Not financial advice.
Verification Hierarchy
The Statement shows exactly how each piece of information was verified — from the highest confidence (institution-verified data) to the lowest (unverified). Member Reported is never presented as verified truth.
Data received directly from a regulated financial institution or approved partner through secure, automated connections.
Example: Bank balance pulled from your bank's API.
Record cross-checked against an independent source and confirmed to match.
Example: Investment balance matches platform statement and custodian feed.
Information supported by uploaded source documents — statements, deeds, contracts.
Example: Property deed linked to your property record.
Reviewed and confirmed by a qualified professional — solicitor, accountant, adviser.
Example: Business valuation confirmed by chartered accountant.
Self-reported by the member without supporting documentation. Recorded and visible, but carries lower confidence.
Example: You note an expected inheritance.
Record has a data conflict, missing evidence, or requires professional resolution.
Example: Property contribution awaiting legal classification.
No verification source has been applied. Lowest confidence.
Example: Advisory equity in former employer — unconfirmed.
Life Signals
The Statement is an active intelligence system. When a life event touches your financial life, it raises signals: what to document, when to engage a professional, what to gather. Select a scenario to see what the Statement flags.
Going on or returning from parental leave.
What Your Statement Captures
Signals Raised
Professionals to Engage
Documents to Gather
The Statement is built automatically as you use HerTerms. Every account, every contribution, every life event — captured, classified, verified, and preserved.
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