Help & documentation

Welcome to Fynla

Fynla is a comprehensive financial planning system designed for UK users. It helps you manage your protection, estate, retirement, investment, and savings planning all in one place.

First Time Setup

1. Create your account using the registration page
2. Choose your focus area (Estate Planning, Protection, Retirement, etc.)
3. Complete the onboarding wizard with your personal and financial information
4. Review your dashboard and explore the modules
5. Add family members and link spouse accounts if applicable

Key Concepts

• Modules: Five main areas — Protection, Estate, Retirement, Investment, and Savings
• Plans: Consolidated views combining data from multiple modules
• Agents: AI-powered analysis engines that generate recommendations
• Spouse Linking: Connect two accounts for joint financial planning
• Data Sharing: Control what information is shared with your linked spouse

Main Dashboard

Your dashboard provides a high-level overview of your financial situation across all modules. Each card shows key metrics and provides quick access to detailed views.

Dashboard Cards

• Net Worth: Total assets minus liabilities across all categories
• Estate Planning: Current Inheritance Tax position and net worth breakdown
• Protection: Coverage gap analysis for life, critical illness, and income protection
• Trusts: Number of trusts and total assets held in trust
• Plans: Quick access to Protection, Estate, Retirement, and Investment & Savings plans

Quick Actions

The Plans card on your dashboard provides quick access to comprehensive planning views that combine data from multiple modules for holistic analysis.

Personal Information

Update your name, email, date of birth, gender, marital status, National Insurance number, phone, and address. This information is used throughout the system for calculations and projections.

Income & Occupation

Enter your employment income, self-employment income, rental income, dividend income, and other income sources. Also specify your occupation, which affects protection insurance recommendations.

Health Information

Specify your health status, smoking status, and education level. This information helps provide accurate protection recommendations and estimate insurance premium costs.

Domicile Information

Enter your UK domicile status, residency details, and any foreign assets. This is critical for Inheritance Tax calculations and estate planning, as domicile status affects tax liability.

Family Tab

Add family members including spouse, children, and other dependents. For spouses with email addresses, you can create linked accounts for joint financial planning.

Overview

The Protection module helps you analyse your insurance coverage across life insurance, critical illness, income protection, and disability insurance.

Current Situation Tab

View all your existing protection policies. Add new policies using the "Add Policy" button. Each policy type has specific fields:

• Life Insurance: Policy type (Term, Whole of Life, etc.), sum assured, premium, term
• Critical Illness: Standalone, Accelerated, or Additional coverage
• Income Protection: Benefit amount, frequency (monthly or weekly), deferred period
• Disability: Benefit amount and frequency

Gap Analysis Tab

Analyses your protection needs versus current coverage:

• Human Capital: Value of your future earnings (income replacement need)
• Debt Protection: Outstanding mortgages and liabilities
• Final Expenses: Funeral costs and immediate expenses (£7,500)
• Coverage Gap: Difference between total need and current coverage

Note: Spouse income reduces your protection need, as their income continues after your death.

Strategy Tab

View AI-generated recommendations for improving your protection coverage, prioritised by importance.

Policy Details Tab

Detailed list of all policies with edit and delete functionality. Policies are grouped by type for easy management.

Overview

The Estate Planning module calculates your Inheritance Tax liability, tracks your net worth, and provides strategies for reducing the tax your beneficiaries will pay.

Current Situation Tab

View your net worth breakdown and current Inheritance Tax position:

• Assets: Property, pensions, investments, savings, business, other assets
• Liabilities: Mortgages, loans, credit cards, other debts
• Net Estate: Total assets minus liabilities
• Inheritance Tax Calculation: Tax-free allowance (£325k), home allowance (£175k for main residence), tax liability

Inheritance Tax Planning Tab

For married couples, view Second Death analysis with combined tax-free allowances (up to £650k basic allowance, plus up to £350k home allowance). Includes spouse exemption on first death.

Gifting Timeline

Track gifts made in the last 7 years. Gifts older than 7 years are outside the estate for Inheritance Tax purposes.

• Potentially Exempt Transfers: Gifts to individuals, exempt after 7 years
• Chargeable Lifetime Transfers: Gifts to trusts, subject to Inheritance Tax immediately
• Taper Relief: Reduces Inheritance Tax on gifts made 3–7 years before death

Will Planning Tab

Enter your will information including executor details, death scenario (user only or simultaneous), spouse bequest percentage, and last updated date.

Letter to Spouse

Create emergency instructions for your spouse including protection policies, estate information, savings accounts, and important contacts. View your spouse's letter to you if data sharing is enabled.

Overview

Track your pension pots, project retirement income, and ensure you're on track for your retirement goals.

Pension Types

• Defined Contribution Pensions: Pot-based pensions with portfolio holdings management
• Defined Benefit Pensions: Final salary pensions with guaranteed income
• State Pension: UK State Pension based on National Insurance contributions

Annual Allowance

Track contributions against the £60,000 Annual Allowance. Includes carry forward from previous 3 years if you didn't use your full allowance.

Retirement Readiness

Assessment of your retirement readiness based on your current savings, pension provisions, and projected income needs.

Investment Module

Manage investment accounts and holdings with portfolio analysis:

• Account Types: ISA, General Investment Account, National Savings & Investments, Onshore and Offshore Bonds, Venture Capital Trust, Enterprise Investment Scheme
• Holdings: Individual fund and share holdings with International Securities Identification Number codes
• Portfolio Analysis: Risk metrics, asset allocation, fee analysis
• Monte Carlo Simulation: 1,000 iterations projecting portfolio growth

ISA Allowance Tracking

Track ISA contributions across Cash ISAs (Savings module) and Stocks & Shares ISAs (Investment module) against the £20,000 annual allowance (tax year: 6 April to 5 April).

Savings Module

Manage savings accounts and goals:

• Account Types: Current Account, Savings Account, Cash ISA
• Access Types: Immediate Access, Notice Period, Fixed Term
• Emergency Fund: Calculate recommended emergency fund (3–6 months expenses)
• Savings Goals: Track progress toward specific financial goals

Adding Family Members

Go to User Profile → Family tab and click "Add Family Member". Enter details including:

• Name, date of birth, gender
• Relationship (spouse, child, parent, sibling, other)
• National Insurance number (optional)
• Annual income (for spouse)
• Is dependent checkbox

Spouse Account Linking

When adding a spouse with an email address:

• If spouse has an account: Link the two accounts together for joint planning
• If spouse is new: Create a new account with a temporary password sent via email

Data Sharing Permissions

Control what data is shared between linked spouse accounts:

• View spouse's protection policies
• View spouse's estate information
• View spouse's gifts for Inheritance Tax timeline
• View spouse's Letter to Spouse
• Permissions must be accepted by both parties

Focus Area Selection

Choose your primary focus area to customise the onboarding journey:

• Estate Planning: Inheritance Tax reduction and will planning
• Protection: Insurance coverage gap analysis
• Retirement: Pension planning and projections
• Investment: Portfolio management and optimisation

Onboarding Steps

1. Personal Information: Date of birth, gender, marital status, address, health, and lifestyle
2. Income & Expenditure: All income sources and monthly or annual expenses
3. Domicile Information: UK domicile status and foreign assets (if applicable)
4. Family Information: Spouse and children details
5. Assets: Properties, pensions, investments, savings, business assets
6. Liabilities: Mortgages, loans, credit cards
7. Protection Policies: Existing insurance policies
8. Will Information: Executor, bequests, last updated date
9. Trust Information: (Optional) Existing trusts

I can't see my policies in Gap Analysis

• Refresh the page to reload data from the server
• Check Policy Details tab to verify policies were saved
• Clear your browser cache and reload

Inheritance Tax calculation seems wrong

• Verify all assets are entered correctly (check Estate → Current Situation)
• Ensure liabilities are entered (they reduce net estate)
• Check domicile status (affects Inheritance Tax liability)
• Verify home allowance eligibility (requires leaving main residence to direct descendants)

Data not saving

• Check for validation errors displayed in red at the top of the form
• Ensure all required fields (marked with *) are filled
• Check your internet connection
• Try logging out and logging back in

Spouse account linking failed

• The spouse email may already be linked to another user
• Check that you haven't entered your own email address
• Verify the email format is correct

Need additional help? Contact our support team: