Protect your PENSION from 2027 IHT rule changes

Описание: A huge change to UK pension rules is scheduled for 2027 and it could have a massive impact on the wealth you pass on after your death.

Under new proposals, your hard-earned pension pot could be hit by a devastating "double tax trap," leading to an effective tax rate of up to 67%. I provide a simple guide to understanding what's coming, who is most at risk and the financial planning strategies you can start thinking about today to protect your legacy.

In this video, I explain:

✅ The current rules for passing on your pension vs the proposed 2027 changes
✅ The 67% "Double Taxation Trap" explained with a clear example
✅ Why the spousal exemption leaves unmarried couples exposed
✅ The hidden impact on the Residence Nil Rate Band (RNRB) for homeowners
✅ Actionable ideas people are already exploring, from gifting to optimising withdrawals
✅ Other IHT mitigation tools to consider for your estate plan.

⏰ Timestamps:

00:00 - The End of IHT-Free Pensions?
00:55 - Current State of Pension Inheritance
03:44 - Proposed Changes and Their Implications
05:36 - Strategies for Mitigating Inheritance Tax
07:10 - Gifting and Charitable Contributions
09:26 - Gifting from Income Exemption
11:43 - Life Insurance and Other Mitigation Tools
12:57 - Conclusion and Future Considerations


🔗 Useful Links:

IHT Gifting Exemptions (and how they work) - https://www.gov.uk/inheritance-tax/gifts
Aberdeen Briefing Notes on IHT/Pensions - https://techzone.aberdeenadviser.com/...
How to find a good financial adviser you can trust - https://moneytothemasses.com/saving-f...
Try out our free pension calculator - https://moneytothemasses.com/saving-f...
Get a FREE pension review - https://moneytothemasses.com/pension-...

⚠️ Disclaimer: This video is for informational purposes only and does not constitute financial advice. The information discussed is based on proposed changes that are not yet law and could be altered or scrapped. You should always seek professional, regulated financial advice before making any decisions about your pension or estate plan.


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