Understand Your Estate Before You Change It
Research, briefings, books and practical insights covering inheritance tax, pensions, property, probate and family wealth.
Explore the issues that could affect your estate — and understand the options available before taking action.
The Pension Inheritance Tax Changes Explained
The Autumn 2024 Budget introduced one of the most significant changes to the inheritance tax treatment of pensions in a generation.
For years, pensions and SIPPs have been widely used as a tax-efficient way of passing wealth to the next generation.
From 6 April 2027, that position is due to change.
For many families, pension wealth will become an increasingly important part of the inheritance tax conversation — and the potential consequences could be substantial.
This raises some important questions:
How much additional inheritance tax could my family face?
Could pension benefits potentially be taxed more than once?
Should I make changes now — or wait?
What planning options should I be considering before April 2027?
To help families understand what is changing, we created the Pension Briefing Series.
Our complimentary one-hour Pension Briefing explains the changes, the potential implications and the key issues families with significant pension wealth should now be considering.
You can watch:
✓ Full 60-minute Pension Briefing
✓ Complete Pension Briefing Series
✓ Free access
✓ No registration required
✓ No email required
Everything is available completely free to watch.
These resources are educational and designed to help you better understand the changing relationship between pensions, inheritance tax and wider estate planning.
No subscription.
No sales presentation.
Just clear information to help you understand what is changing.
Inheritance Tax: The Rules Have Changed
Many families still believe inheritance tax only affects the very wealthy.
That was true years ago.
Today, rising property values, pensions, investment growth and frozen thresholds mean many families are quietly drifting into inheritance tax territory without even realising it.
Our Inheritance Tax Briefings explain:
How inheritance tax actually works
The most common planning mistakes
Why wills alone rarely solve the problem
The £2 million threshold trap
Why delaying decisions can become expensive
Included:
Inheritance Tax Video Briefings
Estate Planning Reports
Downloadable Guides
Property Is Often the Biggest Part of the Estate
Property planning can create some of the most expensive and difficult-to-reverse estate planning mistakes.
Discover 10 Property Planning Mistakes families often make — and the issues worth considering before making changes.
The Probate & Family Protection Series
What happens after death is often where families face the greatest stress.
Confusion
Delays
Paperwork
Arguments
Missing information
Financial Stress
Many people spend decades building wealth but very little time organising what happens afterwards.
Our Probate & Family Protection Briefings focus on reducing stress for loved ones and creating a simpler estate.
Topics include:
Included:
Probate Briefings
Family Protection Guides
Estate Organisation Reports
The Estate Architect Library
Estate planning should never be based on headlines, newspaper articles or one opinion from one adviser.
One change in one area often creates consequences elsewhere.
That is why we continue building our private Briefings Library.
Inside you will find ongoing updates, educational videos, reports and commentary covering:
Pensions.
Inheritance Tax.
Trusts.
Probate.
Family Governance.
Estate Organisation.
Legislation changes.
Because before families make decisions, they first need clarity.
You Don't Have a Tax Problem,
You Have a Planning Problem.
The Estate Architect's Guide to Protecting Family Wealth
Most families do not have a tax problem.
They have a planning problem.
Discover the mistakes that leave families exposed to inheritance tax, probate delays, family disputes, and poor wealth transfer decisions.
10 Property Planning Mistakes
Property Owners Make When Planning Their Estate
Ten short audio briefings covering 10 common property planning mistakes — and the problems they can leave behind for you and your family.
Or listen to each briefing below — most take less than a minute.
Mistake 1 — Assuming Your Will Solves Everything
Mistake 2 — Not Understanding How Your Property Is Owned
Mistake 3 — Giving Your Property Away Without Understanding the Consequences
Mistake 4 — Being Property Rich but Cash Poor
Mistake 5 — Assuming Your Family Will Simply Sort It Out
Mistake 6 — Ignoring the Impact of Care Costs
Mistake 7 — Having an Outdated Will and Documents
Mistake 8 — Failing to Plan for Changes in Tax Laws
Mistake 9 — Not Protecting Against Life's What-Ifs
Mistake 10 — Leaving Everything Until It's Too Late
Estate Architect Insights
Inheritance Tax, Pensions, Property & Estate Planning
Regular insights exploring the issues that can affect how wealth is protected and eventually passed to the next generation.
From inheritance tax and pension changes to property, probate and estate planning, our Insights provide clear analysis of the areas worth understanding before taking action.
The Private Investors Club
Managing Your Own ISA, SIPP or Investment Portfolio?
If you manage some or all of your own investments — or simply want to understand more about how your money is being invested — the Private Investors Club gives you access to practical investment education, research and real-world examples.
Ranjeet Singh has spent more than 25 years working in financial markets, investing and helping private investors understand how to build and manage their portfolios.
Today, that experience has been brought together inside the Private Investors Club.
Members can explore hundreds of videos, reports, courses and research covering:
Stocks & Shares ISAs
SIPPs and pension investing
Individual shares
Investment trusts
Dividend investing
Portfolio construction
Market research and analysis
Long-term wealth building
There is no investment advice and no one telling you what to buy or sell.
Instead, the Club gives you the knowledge, research and education to help you become a better-informed investor and make your own decisions.
Estate Architect provides educational research and analysis relating to inheritance tax and estate planning concepts for UK residents. We do not provide regulated investment, tax, or legal advice and are not authorised or regulated by the Financial Conduct Authority (FCA). Where regulated advice is required, introductions may be made to authorised professionals.
© Estate Architect 2026
The Briefing Series
This private briefing series explains:
✔ why inheritance tax has become one of the biggest financial threats facing affluent UK families,
✔ why traditional advice often leaves major gaps,
✔ how the ultra-wealthy structure their estates differently,
✔ and why proper estate planning is about far more than simply reducing tax.
Instant access — watch the video series immediately after submitting the form. Educational access provided at no cost.
This briefing series is intended for educational and strategic purposes only. Where specialist regulated advice is required, this is handled by appropriately authorised professionals within the wider professional network.
We respect your privacy. Your details will never be shared.
Protect Your Family’s Wealth — Before HMRC Takes Its Share
Download the Market Insider Inheritance Tax Report and learn how successful families are protecting their estates using
The Seven Pillars of IHT Planning.
This report is for educational purposes only and does not constitute financial, tax or legal advice. Tax treatment depends on individual circumstances and may change. Please seek appropriate professional advice before making decisions.
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