New Pension Rules Could Cost Your Family 40%. Are You Prepared

July 7, 2026

Your Pension Was Once IHT-Free. From April 2027, That Changes — Are You Ready?

For years, pensions have been one of the most effective ways for high-net-worth families to pass on wealth free of inheritance tax. That is about to change. From April 2027, most unused pension funds will form part of your taxable estate — exposed to HMRC’s 40% inheritance tax rate, just like the rest of your wealth.

This is not a small adjustment. For clients with substantial pension pots, it could mean a significantly larger tax bill for your loved ones. The families who protect their wealth are the families who act early — not the families who wait until the rules have already changed.

Don’t let HMRC become the biggest beneficiary of your pension. Review your estate now, before April 2027 arrives.

Protect your pension. Protect your legacy. Book your appointment with KPW Investments today.