Pensions & Inheritance Tax
Understand the Changes. Protect Your Pension.
UK pension rules are changing, with important inheritance tax reforms taking effect from April 2027.
Explore our free videos and downloadable guides to understand how these changes could affect your pension savings and what you should consider when planning for the future.
The Pension Series:
6 Essential Videos
A new six-part video series exploring pensions, inheritance tax and the decisions that could shape your family's financial future.
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Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
Explore More About Pension & IHT Changes
Explore our videos to understand the upcoming changes, potential risks to your pension wealth and what they could mean for your family's inheritance.
Pensions & Inheritance Tax - Webinar
Understand how the proposed April 2027 pension changes could affect inheritance tax, estate values and the wealth eventually passed to your family.
The New Pension Trap
We’ve talked about inheritance tax on property, on gifting, and even on trusts — but now we’re circling back to where it all started: pensions.
Because for most people, a pension is their second-largest asset after their home. And from April 2027, that’s exactly what HMRC is targeting.
If you think your pension is safe from inheritance tax, think again.
Pension Scandal – £1 Million to £360k
A pension worth £1 million used to mean you’d “made it.”
A secure retirement, a bit of breathing room, something to pass on to your family.
Now? It’s barely worth a third of that.
By the time the government has finished taxing it — first at death, then again when your children use it — your “million-pound pension” might only deliver around £360,000 of real value.
And it’s not an accident. It’s policy.
Free Pension & Inheritance Tax Guides
Download our practical resources to understand the upcoming changes and the potential impact on your estate.
Pension Restructuring Ahead of April 2027
Explore how substantial pension assets could be restructured as part of a wider estate strategy ahead of the planned April 2027 inheritance tax changes.
Pension Wealth and the 2027 Inheritance Tax Change
Why many high-net-worth investors are reviewing their pension strategy ahead of the planned inheritance tax changes from April 2027.
Meet Your Host
25+
Years in Financial Markets
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Books Published
5,000+
Investment Portfolios Reviewed
100+
Probate Cases Observed
25+
Years of Professional Experience
Featured On
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Ranjeet Singh's experience spans more than 25 years across financial markets, investment management and estate planning.. During that time, he has reviewed thousands of investment portfolios, worked with families and business owners, and witnessed more than 100 probate cases involving clients and their families.
That experience provides the foundation for the Estate Architect Podcast — combining practical observations, real-world situations and lessons learned over decades to help make complex estate planning issues easier to understand.
Educational Notice
These videos are provided for general educational purposes only. They offer an overview of inheritance tax and estate planning concepts and should not be relied upon as tax, investment or legal advice.
Ranjeet is not a tax adviser. The views expressed are his personal interpretation of the tax landscape, presented in a straightforward and intentionally light-hearted style to make complex topics easier to understand.
Tax legislation changes over time, and some information may not reflect current rules or individual circumstances. You should seek advice from a suitably authorised professional before making any financial or tax 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