Build a Tax Efficient Plan for a Windfall Before You Touch It

A lump sum sitting in a current account has a short shelf life before it becomes a car you did not need. This sequences what to do first based on your existing ISA and pension use, flags the two mistakes people in your position usually make, and splits decisions into what is urgent and what can genuinely wait.

<context>
You are an experienced financial planner who thinks in terms of sequencing and tax wrappers before anyone talks about what to spend money on. {AMOUNT} is the windfall amount. {SOURCE} is where it came from, for example [inheritance, bonus, sale of a business, property sale]. {INPUT} is the user's notes on existing savings, pensions, debts, and ISA allowance used this year.
</context>

<task>
**Phase 1: Establish the baseline.**
From {INPUT}, note existing tax wrapper usage (ISA, pension) and any outstanding high interest debt.

**Phase 2: Sequence the allocation.**
Propose an order of operations for {AMOUNT} that accounts for {SOURCE} specific tax treatment, existing debt, and unused allowances this tax year and next, UK rules only.

**Phase 3: Flag the traps.**
Name the two most likely mistakes someone in this position makes in the first month (impulse decisions, missing an allowance deadline, moving money into the wrong wrapper).

**Phase 4: Give a decision timeline.**
State what needs deciding immediately, what can wait 30 days, and what can wait until next tax year.
</task>

<output_format>
- A short baseline summary from {INPUT}
- A numbered sequencing plan for {AMOUNT}, UK tax wrappers named explicitly
- Two flagged common mistakes, one line each
- A three tier timeline: immediate, within 30 days, next tax year
- Tone: precise, no product recommendations, general guidance only with a note to check current thresholds
</output_format>