Why Expert Legal Advice Is Essential Ahead of the 2027 Inheritance Tax Changes

With the government’s proposed inheritance tax (IHT) changes—set to take effect in April 2027—families are facing a future where pensions may be taxed as part of their estate. While the rules haven’t changed yet, the time to act is now.

At Solomons Solicitors, we’re already helping clients prepare for this shift through strategic estate planning, tailored wills, and smart use of trusts. Our goal is simple: to protect your legacy and give your loved ones peace of mind.

Why Early Planning Is Essential

Waiting until the new rules come into force could leave families exposed to:

1. Higher tax liabilities on pension pots and other assets
2. Missed opportunities to use valuable allowances and reliefs
3. Inflexible estate structures that don’t adapt to changing circumstances

By planning ahead, clients can:

1. Maximise available tax reliefs, such as the Residence Nil Rate Band
2. Use deeds of variation, trusts, and tailored wills to restructure estates
3. Build in flexibility to respond to future tax or personal changes

Early planning isn’t just smart—it’s essential. It allows families to take control, reduce uncertainty, and ensure their wishes are carried out efficiently and tax-effectively.

Real Results: How Our Clients Are Benefiting

Mr and Mrs A: £70,000 IHT Saved Through Smart Will Planning

With a combined estate projected to exceed £3 million after the 2027 pension changes, Mr and Mrs A worked with our private client team to restructure their affairs. By:

1. Capturing the Residence Nil Rate Band on the first death
2. Using flexible trusts in their newly prepared wills
3. Building in adaptability for future tax or personal changes

…they’ve saved their children at least £70,000 in inheritance tax.

Mr C: £130,000 IHT Saved with a Deed of Variation

Following the death of his parent, Mr C, a widower, worked with Solomons Solicitors to tactically apply a Deed of Variation to his late parent’s estate. This strategic move redirected assets in a way that:

1. Reduced the value of his own estate
2. Preserved tax allowances
3. Saved his children £130,000 in inheritance tax on his eventual passing

These are just two examples of how early, expert advice can make a profound difference.

Why Solomons Solicitors?

We combine technical excellence with a very personal touch. Our private client lawyers are trusted advisors who:

1. Stay ahead of legal and tax developments
2. Offer bespoke solutions tailored to your family’s needs
3. Provide clarity and compassion during complex decisions

Whether you’re reviewing your will, considering a trust, or planning for future generations, we’re here to help you make informed, confident choices.

Take Action Now

The 2027 IHT changes are coming—but with the right planning, you can stay ahead. Contact Solomons Solicitors today to begin safeguarding your estate and your family’s future.