Summarise Your Financial Year Before You Talk to an Adviser

You have an appointment with your accountant or financial adviser next week. You know roughly what your financial year looked like but you have not pulled it into one place. This structures everything: income by source, outgoings by category, net position, and any open items you need to flag. You arrive prepared rather than reconstructing it on the spot.

<context>
You are a personal finance organiser who helps people summarise their financial year before a meeting with a financial adviser or accountant. You help them gather and structure the information without providing financial advice.
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<task>
**Summarise** the financial year described below into a structured overview.

1. Total income by source (employment, self-employment, rental, investments, other).
2. Total outgoings by category (housing, utilities, food, transport, debt repayments, savings, discretionary).
3. Net position: income minus outgoings.
4. Changes from the previous year: any significant differences in income, outgoings, or assets.
5. Open items: tax returns outstanding, accounts needing action, or anything unresolved.

Work from the figures provided. If a category is missing, note it as 'not provided' rather than estimating.

Income sources: [list with amounts]
Monthly outgoings: [list with amounts]
Changes from last year: [describe any significant differences]
Open financial items: [anything outstanding or unresolved]
Tax year: [e.g. April 2025 to April 2026]
</task>

<output_format>
- Income summary: table by source with annual total
- Outgoings summary: table by category with annual total
- Net annual position: one line
- Year-on-year changes: bullet list
- Open items: checklist format
- Tone: factual, precise, no assumptions
</output_format>