Most unused pension funds will be added to your estate. A few quick questions and you'll see what it means for yours.
The wording changes to suit. Nothing is saved until you choose to share it.
The total value of your pension pot, or the value of the death benefits it would pay out. This is the one figure we need.
This helps us tailor what the 2027 rules mean for you.
Up to 25% of most pensions can be taken tax-free.
Age 75 is a turning point for how inherited pensions are taxed.
Your main residence. Enter 0 if you don't own one.
Buy-to-lets, second homes, land. Enter 0 if none. Optional.
Bank and building society accounts, cash ISAs, premium bonds, NS&I.
Stocks & shares ISAs, shares, funds, bonds. Leave your pension out — that's already counted.
The value of any business you own. Enter 0 if none, then tell us whether it qualifies for relief.
Does it meet all of these?
Gold, vehicles, art, jewellery, antiques. Enter 0 if none. Optional.
Anything owed against your estate. Enter 0 if none.
Large gifts can still count towards your estate. Enter 0 if none. Optional.
This can unlock an extra £175,000 of allowance.
Married, civil-partnered and widowed estates can pass unused allowances on — up to £1m between a couple.
Your IHT figure, the allowances applied, and the ways it could come down. Yours to keep.
We only get in touch about your report. Guidance, not regulated advice.
Same estate, three positions — roughly what it could look like as you plan. These are illustrative; mapping the right one to you is what the free call is for.
A bill like this can often come down by 30–70%, using HMRC-compliant routes that fit your position. Which ones apply depends on your numbers and your wishes — that's what the free call is for.
Which of these fit you is exactly what the free call works out.
We'll send your free report, and an estate planner will be in touch about your free 15-minute call. Try before you buy, kind of thing.
Figures use 2026/27 allowances (nil-rate band £325,000, residence nil-rate band £175,000, frozen to 2030). The April 2027 rules bring most unused pension funds into your estate. Illustrative only — not regulated advice.
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