Protect Your Wealth with Expert Inheritance Tax Planning
With pension funds entering the IHT net in April 2027, wealthy families face significantly higher tax bills. Our expert advisers help you navigate these changes and implement strategies to protect your legacy.
Could You Be Affected?
Estates will face new or higher IHT bills from April 2027
Government estimate: 10,500 new + 38,500 paying more
Average IHT increase when pensions are included
Government estimate for affected estates
When pension funds join the IHT net
Time to plan is running out
Case Study: The Williams Family
Impact of 2027 Pension IHT Changes
Before 6 April 2027
Pensions excluded from estate
From 6 April 2027
Pensions included in estate
Additional IHT from 2027: +£320,000
Calculation assumptions: NRB £325k each (transferable), RNRB fully tapered due to estate > £2m, and pension funds included in the estate from 6 April 2027. This represents a 31% increase in IHT liability.
The 2027 Pension Changes: What Wealthy Families Must Know
The biggest change to inheritance tax in decades is coming. For the first time, pension funds will be included in your estate for IHT purposes, potentially adding hundreds of thousands to your tax bill.
Pensions Lose IHT Protection
SIPPs, workplace pensions, and drawdown funds will be subject to 40% IHT for deaths after 6 April 2027. Previously, these were IHT-free.
Massive Impact on Wealthy Estates
From April 2027, unused pensions will count towards IHT. A couple with £1.2m in pensions could see the full amount taxed at 40% — adding £480,000 to their IHT bill.
Planning Time is Running Out
Effective IHT strategies often require years to implement. The seven-year rule for gifts means starting before 2027 is crucial for maximum benefit.
*Based on current legislation which may be subject to change. Professional advice should be sought for your specific circumstances.
IHT Calculator
Our calculator provides a summary to help you understand your potential inheritance tax position and planning opportunities.
Asset Analysis
Calculate IHT on all asset types including property, investments, business assets, and pensions with 2027 rule changes.
- Property valuations
- Investment portfolios
- Pension fund analysis
Relief & Allowance Optimisation
Automatically calculates all available reliefs and allowances to minimise your IHT liability legally.
- Nil-rate band transfers
- Residence nil-rate band
- Business property relief
Detailed Planning Insights
Receive personalised recommendations and strategies to reduce your IHT liability with clear next steps.
- Gift planning strategies
- Trust recommendations
- Professional referrals
How Our Expert Advisers Can Help
Beyond calculations, our experienced advisers provide strategic guidance, implementation support, and ongoing monitoring to ensure your wealth protection strategy remains effective.
Estate Analysis
We review your entire estate including UK and overseas assets, business interests, and family circumstances to create a complete picture of your IHT exposure and opportunities.
Bespoke Strategy Development
We design personalised IHT mitigation strategies using a combination of gifts, trusts, insurance, and business structures tailored to your specific family and financial situation.
Implementation & Monitoring
We work with your legal and tax advisers to implement strategies correctly and provide ongoing monitoring to ensure your plan remains effective as circumstances and legislation change.
Our IHT Planning Services Include:
Frequently Asked Questions
Common questions about inheritance tax planning and the 2027 changes
Jargon Buster
Essential terms and abbreviations explained in plain English
NRB
Nil-Rate Band — The amount you can leave tax-free before IHT applies. Currently £325,000 per person (£650,000 for couples).
RNRB
Residence Nil-Rate Band — Extra £175,000 allowance when leaving your main home to direct descendants. Tapers away for estates over £2m.
SIPP
Self-Invested Personal Pension — A flexible pension that gives you control over investment choices. From 2027, unused funds will be subject to IHT.
DC Pension
Defined Contribution Pension — A pension where you build up a pot of money that you can use to provide an income in retirement.
UFPLS
Uncrystallised Funds Pension Lump Sum — A way to take money from your pension where 25% is tax-free and 75% is taxable income.
DB Pension
Defined Benefit Pension — A pension that pays a guaranteed income based on your salary and years of service (e.g., final salary schemes).
Drawdown
Pension Drawdown — A way to access your pension pot while keeping it invested. You can take income as needed, but unused funds will face IHT from 2027.
Crystallisation
Pension Crystallisation — The process of converting pension savings into a form that can provide retirement benefits (income or lump sums).
💡 Need More Clarification?
These technical terms can be confusing. Our advisers can explain everything in plain English and show you exactly how the changes affect your situation.
Ask Our ExpertsImportant Regulatory Notice
Tax Advice, including Inheritance Tax planning, is not regulated by the Financial Conduct Authority (FCA).
This website provides general information only and does not constitute financial, tax, or legal advice. You should always seek independent professional advice from qualified specialists before making any financial decisions.
Ready to Protect Your Wealth?
Don't let the 2027 pension changes catch you unprepared. Start your IHT planning journey today with our professional calculator and expert guidance.
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