UK inheritance tax changes webinar: What you need to know to prepare
Explore key inheritance tax changes coming in 2026–2027 to business relief and pensions and learn how proactive estate planning can protect your wealth and reduce tax exposure.
Inheritance tax: what you need to know
With sweeping reforms to inheritance tax on the horizon – including changes to business relief and pensions – understanding how these changes could affect your estate is more important than ever.
In this webinar, Arbuthnot Latham Wealth Planners Shalu Kara and Rachel Wyatt explore the current IHT landscape and the significant changes coming in 2026 and 2027. Using a real-life case study, they demonstrate how proactive planning can help protect family wealth, reduce tax exposure, and ensure a smooth transfer of assets across generations.
Watch the full webinar now to gain clarity and confidence in your inheritance tax strategy.
This webinar was recorded before the government announced significant changes to the proposed reforms to business and agricultural relief (23 December 2025). While the webinar still provides valuable insights on estate planning and upcoming pension changes, the details on business relief have since been updated – read our latest article for the most current information.
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What we cover:
- The current IHT rules and allowances, including business and residence nil-rate bands
- How the 2026 reforms will cap business and agricultural reliefs
- The 2027 pension reforms and their impact on legacy planning
- Financial planning strategies to address or mitigate IHT
- Flexible protection with trusts
- Using annual allowances and surplus income to reduce your taxable estate
- Bridging the gap with life insurance
- How cashflow modelling can support informed estate planning decisions.
Six estate planning actions you can take now
1. Review your will: Ensure your will reflects your current wishes, protects your loved ones, and distributes assets to beneficiaries in the most tax-efficient way.
2. Use your annual gift allowances: This is £3,000 per year and it can only be carried forward for one year, after which it is lost.
3. Check your death benefit nominations: Review your pension nomination forms ahead of the 2027 reforms to ensure they align with your estate planning goals.
4. Understand upcoming changes to reliefs and exemptions: Stay informed about how reforms may affect your future tax liabilities and prepare your family for what to expect.
5. Plan ahead with cashflow modelling: This can help you understand your current position, assess the impact of upcoming changes, and identify planning opportunities.
6. Start a conversation with a wealth planner: Clarify your priorities, gain confidence in your decisions, and support meaningful discussions with your family.
Is it time to speak to one of our experts?
To ensure your estate is structured effectively and your legacy is protected, speak to your banker to arrange a no-obligation discussion with one of our expert wealth planners.
In conjunction with legal and tax advisers, they can help you explore your options and create a tailored estate plan that that secures your legacy in this new IHT landscape.
Tax planning can be complex, and individual circumstances vary. For tailored guidance, we recommend consulting a qualified tax adviser. Please note that we cannot accept responsibility for any outcomes resulting from general comments or explanations we provide.
Ready to start planning ahead?
To explore the benefits of joining Arbuthnot Latham, request a call back and start planning with confidence, guided by our experienced team.
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Your presenters
Shalu Kara, Wealth Planner
As a Chartered Financial Planner and Fellow of the Personal Finance Society, Shalu brings over a decade of experience helping individuals, families, and businesses navigate their financial futures with clarity and confidence.
Shalu specialises in holistic financial planning, covering wealth structuring, estate planning, investment management, retirement strategies, and financial protection.
Her approach is rooted in lifestyle financial planning – ensuring that every recommendation aligns with clients’ personal goals, values, and aspirations. She works closely with the Arbuthnot Latham investment team to deliver tailored, strategic plans that reflect each client’s unique circumstances.
Rachel Wyatt, Wealth Planner
Rachel Wyatt is a Chartered Financial Planner with more than 25 years in financial services and over a decade dedicated to guiding clients and their families through life’s big financial decisions.
Rachel guides high-net-worth individuals and their families through the complex financial landscapes, turning long-term ambitions into achievable milestones.
With a commitment to building trusted relationships and delivering forward-thinking advice, Rachel plays a pivotal role in helping clients shape and secure their financial futures.
She works in close partnership with investment managers and other professional advisers to deliver joined-up financial strategies to her clients. Her expertise includes detailed cashflow forecasting, optimal asset structuring, and the implementation of highly effective tax-efficient investment strategies.
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This communication should be considered a marketing communication. It has not been prepared in accordance with legal requirements designed to promote the independence of investment research. It is for information purposes only and does not constitute advice, a solicitation, recommendation or an offer to buy or sell any security or other investment or banking product or service. You should seek professional advice before making any investment decision. The value of investments, and the income from them can fall as well as rise, and may be affected by exchange rate fluctuations. Investors could get back less than they invest. Past performance is not a reliable indicator of future results. The tax treatment of investments depends upon individual circumstances and may be subject to change.
The contents of this communication are based on opinions or conditions as at the date of writing and may change without notice. To the extent permitted by law or regulation, no warranty of accuracy or completeness of this information is given and no liability is accepted for its use or reliance on it.