Webinar

The pension, the Will and the tax bill

A CPD webinar for financial advisers. Tuesday 21 October 2026, 10.30.

Hosted by Kinherit, with Freyr Investment Management and Kinvault.

It is now law that from 6 April 2027, most unused pension funds count as part of a client's estate for inheritance tax.

That creates three problems for advisers:

It undoes the standard drawdown advice. For years the sensible course has been to leave the pension alone and spend other savings first, because the pension sat outside the estate. From 2027 it does not, and every plan built on that reasoning needs revisiting.
The money and the tax bill come apart. A pension still passes by nomination rather than under the Will, and that does not change. What changes is that its value is counted in the estate, and the personal representatives have to report it and pay the tax. So the pot can go to one person while the bill falls on whoever inherits under the Will.
It can cost the client their home allowance. Bringing a pension into the estate can push it past £2 million, which is where the allowance for leaving a home to children starts to be withdrawn.

Looking at the pension on its own does not fix any of this. Nor does looking at the Will on its own.

Kinherit on what the 2027 change means for Wills that already exist, and the drafting that decides whether relief and allowances reach the people the client intended.
Freyr Investment Management on Business Relief since the April 2026 changes, and on the Freyr approach: putting an IHT solution in place quickly while a client keeps access to their money, keeps the portfolio working, and passes more down. Capital is at risk.
Kinvault on the handover: finding the assets, valuing them, and keeping the family with the firm that advised them.

Which of your clients are most exposed to the April 2027 change, and how to spot them in your existing book.
Why a valid Will can still fail to deliver a relief the client expected, and the drafting that fixes it.
How Business Relief can be used as an alternative tax management path to gifting, with a shorter route to effectiveness (two years rather than seven), and how BR investments can be structured so a client retains access to capital and stays invested.
What your firm needs in place at the point a client dies.

Tuesday 21 October 2026, 10.30. Online, 45 minutes plus questions.
The session carries CPD credit.
No charge to attend.