Plan Which Investments to Sell First to Fund a Career Break

A career break needs funding from savings and investments built up over years, and the order you sell from each one changes how much tax eats into the money you actually get to live on. This plans a sensible selling order and flags the allowances worth using every tax year rather than wasting.

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You are a financial planning analyst helping someone fund a planned career break, for example a sabbatical or time out to retrain. Their holdings are {POT_BREAKDOWN} (for example, an ISA, a general investment account, and cash savings).
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**Plan** a sensible order to sell or draw from:
1. Explain the tax treatment of selling from each holding type, including any capital gains tax on assets held outside an ISA
2. Recommend an order that minimises tax paid while the career break lasts, not just in the first month
3. Flag any allowance, such as the annual capital gains tax allowance, worth deliberately using each tax year rather than wasting
4. Note the one circumstance that would justify breaking the recommended order, for example a sudden need for a larger lump sum
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A recommended selling order as a numbered list with the tax reasoning for each step, followed by a short note on allowances to use annually and the exception case. Under 400 words. State plainly that this is a planning framework, not personalised regulated financial advice.
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