Supporting Advisers: Pensions & Inheritance Tax Conversations
Many advisers are concerned that pensions can no longer be treated separately from inheritance tax and estate planning discussions.
Clients sense change but often lack clarity, creating pressure to act before the full implications are understood.
Our role is to help advisers introduce calm, structured conversations where complexity exists to avoid panic and financial loss from inappropriate decisions.
Why Advisers Use Us
We work alongside accountants and financial advisers where situations involve:
• Significant pension values within larger estates.
• Business owners approaching succession decisions.
• Property-heavy estates lacking liquidity.
• Complex or legacy trust arrangements.
• Clients at risk of making premature planning decisions.
We do not replace existing advisers. We support them where specialist estate structuring is required.
Using the Book with Clients
The book is often used as a starting point for discussion.
Rather than presenting solutions, it helps clients understand why pensions and inheritance planning must now be considered together.
Advisers typically provide the book before meetings to:
• create shared understanding
• reduce anxiety-driven decisions
• align family conversations
• improve the quality of planning discussions
How We Work with Firms
We support advisers through:
• Joint Client Meetings
• Technical Estate Planning Input
• Complex Trust Structuring
• Low-Risk Inheritance Tax Planning Strategies
Engagement is collaborative and transparent.
If you have a client that may require assistance now, we can assist by having a discussion of an anonymised outline of how to assist the client by speaking on the telephone or arranging a teams meeting.