The
WEALTH
TURNING POINT
The Complete Guide to Retirement
& Inheritance Planning
Sixteen chapters, four interactive calculators, every wrapper and every decision. The whole retirement system in one place — updated for the 2027 pension IHT change, the 2029 salary-sacrifice cap, and the threshold freeze through to 2031.
6 April 2027
Up to 67%
tax on inherited pensions
Until 2031
Frozen
tax & IHT thresholds
Free. Educational purposes only. No obligation.
What This Guide Covers
The four scheduled changes (2027–2031) unwinding decades of UK retirement planning logic
How pensions entering the IHT estate in April 2027 creates up to 67% combined tax on inherited pensions
The £22 gap between the full new state pension and the frozen personal allowance
Income layering and tax compression across multiple income sources
Sustainable withdrawal rates designed to survive 30+ years
Every wrapper and vehicle — ISAs, SIPPs, GIAs, bonds, trusts and more
The 2028 pension access age rise to 57 and the early-retirement window
The 2029 salary-sacrifice NI cap and late-career funding economics
Estate structure, nil-rate bands and spousal exemption after the 2027 change
Care costs and later-life funding considerations
Survivorship and legacy planning
A 25-year retirement modelled end to end
Ready to Discuss Your Own Situation?
Reading the guide is a useful starting point.
However, many people find the real value comes from understanding how the 2027–2031 changes relate to their own pension, estate, income and long-term goals.
If you would like to explore your position in more detail, TrustEvo can introduce you to an FCA-authorised financial adviser for a complimentary financial planning review.
The review is designed to help you:
- •Clarify how the 2027 pension IHT change and the 2029 salary-sacrifice cap affect your specific position
- •Review your income layering and withdrawal strategy across all your wrappers
- •Explore estate planning options in light of the new IHT treatment of pensions
- •Gain clarity on your options before making important retirement decisions
- •Understand whether ongoing financial advice may be appropriate for your circumstances
Complimentary. No obligation.
Important Information
This guide is provided for educational purposes only. It does not constitute financial, tax, investment, estate or legal advice. Tax treatment depends on individual circumstances and may change. The 67% figure assumes 40% IHT stacked with 45% income tax on beneficiary drawdown for additional-rate taxpayers. Measures scheduled for 2027–2031 may be amended before taking effect. TrustEvo operates as an introducer and does not provide regulated financial advice. Any advice would be provided by the FCA-authorised adviser you are introduced to.