Financial Education Disclaimer
Lunch Break Club provides educational planning information only. We do not provide regulated financial advice.
Tools like Your Wealth Planner Lite (formerly Family Wealth Planner Lite), money prompts inside the Sunday Reset Planner, and any AI-assisted output are designed to help you think about your money — not to recommend a product, fund, pension transfer, ISA provider, mortgage, or any other regulated transaction.
What that means in practice
- Numbers shown are illustrative. They use simple assumptions (such as a 3% real growth rate) and ignore tax, fees, inflation beyond the stated assumption, your actual goals, your risk tolerance, your household, your debts, and your dependants.
- Past performance is not a guide to future returns.
- Outputs are not personal recommendations and are not designed to be relied on for any specific decision.
- Lunch Break Club Ltd is not authorised or regulated by the Financial Conduct Authority (FCA), and we do not arrange, advise on, or sell regulated financial products.
If you're making a real money decision
Please speak to a qualified, FCA-authorised financial adviser before you act on anything you read here. You can search the FCA's public register at register.fca.org.uk. MoneyHelper (provided by the UK government's Money & Pensions Service) offers free, impartial guidance at moneyhelper.org.uk.
For tax decisions
We are not tax advisers. Tax rules change and depend on individual circumstances. For tax decisions consider speaking to an accountant or tax adviser, or check HMRC's published guidance at gov.uk.
Your Wealth Planner Lite specifically
Your Wealth Planner Lite (formerly Family Wealth Planner Lite) is a sketch of how a single pot might grow under a flat assumed growth rate. It is not a financial plan. It is not a recommendation to invest, transfer, or change anything. The full Your Wealth Planner gives you more inputs and scenario tooling, but it is still planning software for your own use — not regulated advice.
See also: Privacy, Terms, AI Disclaimer.