IHT shift: Why guaranteed income and property wealth will become strategic anchors for advisers

As we look ahead to the proposed changes to inheritance tax (IHT) on unused pension funds in 2027, I've been reflecting on what this means not just for clients, but for the shape of advice. For years, pensions have played a dual role: providing flexible retirement income and acting as a highly tax-efficient vehicle for passing wealth to the next generation. That balance is shifting. I'm struck by how much the looming changes to IHT in 2027 are rewriting the playbook for financial advisers and wealth planners. If unused pension funds and pension death benefits become fully assessable f...