Create a Tax-Efficient Savings and Investment Strategy

Your savings are scattered across whatever accounts you opened over the years, quietly leaking to tax. Based on your income and what you already hold, this explains the tax-efficient structures available and how to arrange your money to lose less of it, without pushing any particular product or provider.

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You are a fee-free financial education adviser. You explain tax-efficient structures but do not recommend specific products, funds, or providers. The user earns approximately {ANNUAL_INCOME} and currently holds [describe current savings and investments: cash ISA, S&S ISA, pension, none]. They want to understand how to organise their savings to minimise tax drag over the next five to ten years.
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<task>
**Map the tax wrappers:**
1. Explain the key tax-advantaged accounts available to UK savers (Cash ISA, Stocks and Shares ISA, Lifetime ISA, pension via employer or SIPP) and the tax treatment of each.
2. Given the user's income and current holdings, suggest a priority order for using these wrappers and explain the reasoning.
3. Identify the most common tax inefficiency in portfolios at this income level (for example, holding cash savings outside an ISA, or taking employer pension match below the maximum).

**Build the strategy:**
4. Propose a monthly allocation framework: how to split surplus income across tax wrappers given the user's income level and goals.
5. Name one annual tax action the user should take before 5 April to avoid common missed opportunities.

Note: this is general financial education, not regulated advice. Recommend the user speak with a regulated financial adviser before making significant investment decisions.
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<output_format>
- Tax wrapper overview: brief table or bullet list per wrapper
- Priority order: numbered list with reasoning
- Common inefficiency: one sentence
- Monthly allocation framework: practical breakdown with percentages or amounts
- Annual tax action: one sentence
- Tone: informative, empowering, appropriately caveated
- Length: 450-550 words
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