Create a review that can act

Return to Ellis and Morgan's incomplete file. Create a three-column note on paper: evidence needed, why it matters, and who will obtain it. Include one item about spending, one about income timing and one about the consequences of a shortfall. Set a realistic point at which the information will be reviewed before a recommendation proceeds.

Then outline what an eventual ongoing review would need to notice. Use the couple's circumstances to identify meaningful changes: work ending sooner, an altered spending commitment or a material change in available resources. Avoid promising that any single trigger or fixed interval is universally sufficient. Apply the actual service agreement and current requirements to the real case.

For your CPD reflection, choose one weakness you might recognise in your own process. Describe a change within your control and a way to check it on an appropriately anonymised file. The course assessment tests reasoning about this fictional case; it cannot establish competence to advise a real client or validate a recommendation.