For Professional Advisers
Helping You Start the 2027 Pension Conversation with Clients
From April 2027, most unused pension funds are expected to fall within the inheritance tax framework for the first time. For your clients, it challenges a long-held assumption that has shaped their planning for decades: the belief that the pension sits safely outside the estate. For you, it means a wave of clients who need to revisit decisions they thought were settled.
The hard part is rarely the technical detail. It's starting the conversation – helping a client see why arrangements they've held for twenty-five years now deserve a fresh look, without alarming them.
Pension Paradigm Post-2027 was written to do exactly that. Rather than another technical briefing, it follows Rob and Sarah Bennett, a couple approaching retirement, as they work through what the reforms mean for their family, their business and their children. It is the conversation that needs to happen before the planning begins — written in language a client will actually read.
Working Alongside Your Practice
We work with accountants, financial advisers and legal professionals to help clients review long-term planning arrangements clearly and collaboratively. You remain your client's lead adviser at all times; we provide the specialist technical depth and planning support behind it, within an agreed scope.
As the 2027 changes approach, the need for joined-up thinking between pension drawdown and estate planning has rarely been greater. The reforms draw retirement planning, beneficiary taxation, gifting strategy and liquidity into a single, coordinated conversation — and Pension Paradigm is designed to help you open that conversation with confidence.
How We Support Your Firm
We offer flexible ways to bring these ideas into your client relationships:
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A client-engagement tool. Share Pension Paradigm with clients ahead of a planning meeting so they arrive already understanding why the conversation matters — saving you time and groundwork.
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Complimentary Chapter Two. Request a free copy of Chapter Two: A Different Type of Estate Planning to review the book's approach before recommending it to clients.
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Practice copies and bundles. Order copies for your office to share during discovery meetings or client seminars.
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Direct access to the author. For complex cases or firm-wide training, you can speak directly with Ray L. Best to discuss the technical details and how best to apply them.
