Optimise Savings Allocation Across Tax Wrappers and Risk Tiers

You've got multiple goals, several accounts and a marginal tax rate that makes wrapper choice matter. Give it your country, surplus, tax rate, goals with timelines and existing balances, and it optimises where each pound of new saving should go for the best after-tax, risk-adjusted return. Built for experienced savers who've outgrown a single ISA.

I am an experienced saver with multiple active goals and want to optimise the allocation of new monthly savings across tax wrappers and risk tiers for maximum after-tax, risk-adjusted return. My profile:

- Country: {COUNTRY}
- Total monthly surplus available for goal-based saving: {MONTHLY_SURPLUS}
- Marginal income tax rate: {TAX_RATE}%
- Active goals with timelines: {GOALS_AND_TIMELINES}
- Existing accounts and balances: {EXISTING_ACCOUNTS}
- Current ISA / tax-advantaged allowance remaining this tax year: {REMAINING_ALLOWANCE}
- Investment risk tolerance by goal horizon: {RISK_BY_HORIZON}

Please produce an optimised monthly allocation plan that: (1) maximises use of tax-advantaged wrappers before taxable accounts, (2) matches asset risk to goal horizon (cash/bonds for <3 years, equities for >5 years), (3) calculates the after-tax drag cost of any spillover into taxable accounts, (4) flags any allowance deadlines requiring action before tax year end, and (5) provides a rebalancing trigger rule for when circumstances change. Show assumptions explicitly.