by johnireland | Articles
Most people assume their Will covers everything they own. It doesn’t. There’s one page, tucked away in a pension file somewhere, that decides who gets one of the biggest assets many of us will ever hold — and it sits completely outside your Will....
by johnireland | Estate Planning Essentials
Here’s something a lot of people don’t know: your Will doesn’t decide who gets your pension. Most pensions are discretionary trusts, and the trustees decide who receives the death benefit when you die, guided by a separate document called an...
by johnireland | Estate Planning Essentials
From 6 April 2027, unused pension funds and most death benefits will count towards the value of your estate for Inheritance Tax, with pension scheme administrators working alongside your personal representatives to settle the tax due. Income tax treatment on death...
by johnireland | Articles
From 6 April 2027, unused pension funds and most death benefits will be brought into the value of your estate for Inheritance Tax purposes. This is a legislated change, not a proposal, and it is still some way off — which is exactly why now is the right time to look...
by johnireland | Tax Talk
The Autumn Budget is on 28 October 2026, and the run-up brings the usual wave of speculation about further changes to Business Relief and Agricultural Property Relief on top of the £2.5 million cap already coming in from April 2026. That speculation is not fact, and...
