{
  "version": 3,
  "scenarios": [
    {
      "id": "example-morgan-upfront",
      "name": "Example: Morgan takes tax-free cash in one go",
      "plan": {
        "version": 3,
        "household": {
          "relationship": "single",
          "spending": {
            "annual": 42000
          },
          "housing": {
            "mode": "own_outright",
            "homeValue": 500000
          }
        },
        "people": [
          {
            "id": "p1",
            "name": "Morgan",
            "birthYear": 1967,
            "birthMonth": 5,
            "lifeExpectancy": 90,
            "employment": {
              "salary": 70000,
              "salaryGrowth": 2.5,
              "retirementAge": 61
            },
            "pensions": [
              {
                "id": "pension-sipp",
                "name": "SIPP",
                "kind": "sipp",
                "balance": 1100000,
                "growthRate": 5,
                "annualFeePercent": 0.5
              }
            ],
            "pensionWithdrawal": {
              "taxFreeCashMode": "upfront",
              "upfrontDestination": "cash"
            }
          }
        ],
        "accounts": [
          {
            "id": "cash-savings",
            "name": "Easy access savings",
            "type": "cash",
            "owner": "p1",
            "balance": 20000,
            "growthRate": 3
          }
        ]
      }
    },
    {
      "id": "example-morgan-phased",
      "name": "Example: Morgan takes tax-free cash as needed",
      "plan": {
        "version": 3,
        "household": {
          "relationship": "single",
          "spending": {
            "annual": 42000
          },
          "housing": {
            "mode": "own_outright",
            "homeValue": 500000
          }
        },
        "people": [
          {
            "id": "p1",
            "name": "Morgan",
            "birthYear": 1967,
            "birthMonth": 5,
            "lifeExpectancy": 90,
            "employment": {
              "salary": 70000,
              "salaryGrowth": 2.5,
              "retirementAge": 61
            },
            "pensions": [
              {
                "id": "pension-sipp",
                "name": "SIPP",
                "kind": "sipp",
                "balance": 1100000,
                "growthRate": 5,
                "annualFeePercent": 0.5
              }
            ],
            "pensionWithdrawal": {
              "taxFreeCashMode": "phased",
              "upfrontDestination": "cash"
            }
          }
        ],
        "accounts": [
          {
            "id": "cash-savings",
            "name": "Easy access savings",
            "type": "cash",
            "owner": "p1",
            "balance": 20000,
            "growthRate": 3
          }
        ]
      }
    }
  ]
}