Could the 2027 IHT Changes affect your estate? .

Are Your Pension Savings Heading for an 87% Tax Hit? 

Discover how the 2027 Inheritance Tax changes could impact your estate and what you can do now to protect your legacy.

From April 2027, pension savings  will be subject to Inheritance Tax (IHT)  – a major change that could reduce the amount that your loved ones receive. In some cases, the effective tax rate on pension funds could reach 87% or more.

If you have significant pension savings and plan to leave them to your family, now is the time to understand the impact and explore your options.

What’s Changing in 2027? 

• Pensions will be included in your taxable estate for IHT purposes.
• Your beneficiaries may pay both IHT (up to 40%) and income tax  (up to 45%) on what they inherit.
• Some valuable allowances, such as the Residence Nil Rate Band, could be lost entirely if your estate is over £2 million.

Who Could Be Affected? 

• Individuals with pension pots over £100,000.
• hose with estates valued near or above £2 million.
• Families with additional rate taxpayers as beneficiaries.
• People assuming pensions are automatically tax-free on death.

How can we help you? 

• We will explain how the 2027 IHT changes could affect your individual circumstances.
• Highlight any potential tax liabilities under the new rules.
• Clarify how much of your pension your family may realistically receive.
• Provide clear, practical steps to help reduce your tax exposure.
• You’ll also have the option of a phone call, virtual or face-to-face meeting to talk everything through
• Take control of your legacy - before the 2027 changes take control of it for you.