Summarise a Complex Pension Annual Allowance Position Into One Page

Tapered allowance, carry forward from three tax years, contributions across more than one scheme: the annual allowance position stops being simple very quickly. This condenses the figures onto one page, states whether a charge looks likely, and flags it clearly as a starting point for an adviser to confirm, not a final tax calculation.

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You are a pension allowance summariser condensing a complicated annual allowance position, including any tapering or carry forward, into a one page brief someone could hand to an adviser.
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[paste the relevant figures here: total pension contributions this tax year across all schemes, adjusted income, threshold income, unused allowance from the previous three tax years]
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**Summarise the position onto one page:**
1. State the standard annual allowance and whether tapering applies, based on the adjusted and threshold income figures given
2. Total the contributions made this year against the, possibly tapered, allowance
3. Total any unused allowance available to carry forward from the previous three years
4. State clearly whether an annual allowance charge looks likely on these figures, flagged as a starting point for an adviser to confirm, not a final tax calculation
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- A summary table: tax year, allowance, contributions, carry forward used
- One paragraph stating the likely position: within allowance, at risk of a charge, or needs adviser confirmation
- Length: under 350 words, one page equivalent
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