London-based wealth management
for individuals, families and business owners
What people ask us
“Can I afford to stop working?”
Retirement & pensions →“How much will my family lose to tax?”
Inheritance tax →“Am I paying more tax than I need to?”
Tax planning →“Is my money working hard enough?”
Investments →“What happens if Mum needs care?”
Long-term care →“Will my wishes actually be followed?”
Estate planning →“Will my family be alright without me?”
Protection →“What happens when I want out?”
Business owners →Changing in April 2027
Your pension is about to count towards inheritance tax
From 6 April 2027 most unused pension funds form part of your estate. For anyone who has deliberately left a pension untouched to pass on, the logic of that plan has changed.
The legislation is in place and the date is fixed, so there is time to look at your position and make changes before 6 April 2027.
Read the guide- Applies to deaths on or after that date
- Spouse and civil partner exemption continues
- Death in service benefits are excluded
- Executors report and pay the tax
Recent thinking
Guides worth your time
Inheritance tax on pensions from April 2027
Most unused pension funds will count towards your estate. What changes, and for whom.
RetirementWhat is a good retirement income?
What different retirement lifestyles actually cost, and the pot needed to fund them.
Later lifeWho is responsible for care home fees?
Next of kin are not liable. How means testing works, and where the NHS pays instead.
How we work
We listen
An hour at our cost. You talk, we ask questions, and nobody recommends anything.
We model it
We build your position properly, then show you what your choices lead to.
We stay with it
A plan is only useful if it keeps up with your life.