Services · Business Owners
Have you heard about the
new changes?
Business relief is being slashed. Pension pots are entering your estate. The rules are changing fast — and you need a plan before it’s too late.
Services · Business Owners
Business relief is being slashed. Pension pots are entering your estate. The rules are changing fast — and you need a plan before it’s too late.
With business relief being slashed, growing uncertainty around Inheritance Tax on pensions, and worries about changes to tax-free cash allowances, business owners face increasing challenges in protecting and planning their personal wealth.
You’ve worked hard over the years to build up a pension; it’s only natural to assume that your loved ones will benefit from it in a tax-efficient way. After all, pensions have traditionally been excluded from your Estate for Inheritance Tax (IHT) purposes.
However, these pensions are set to count towards your Inheritance Tax liability from 6 April 2027.
Under the proposed rules, pension pots could face two layers of tax — significantly reducing the amount your family might receive and increasing the share taken by HMRC.
With upcoming changes to tax rules and reliefs, the risk of leaving your Estate exposed to avoidable tax is growing. These developments require more than awareness — they necessitate a proactive and strategic response.
Understanding how the new regime affects your personal and business wealth is critical, and so is taking steps to protect it now, before the window closes.
Business Relief changes mean assets you assumed were protected may no longer be exempt from IHT.
Pension pots entering your estate from April 2027 could dramatically increase your IHT liability.
Tax-free cash allowance changes may affect how efficiently you can extract wealth from your business.
Succession planning needs to be structured now to protect your business and personal wealth across generations.
Whether you’re scaling your trading business, investing in property, or planning your exit, our advice is built around your unique situation.
We help you build sustainable wealth, make the most of your pension assets, extract cash efficiently, and structure your finances — not just for financial freedom today but to create a lasting legacy for the future.
Sustainable wealth-building strategies aligned with your business goals
Efficient pension planning to maximise the value passed to your family
Tax-efficient cash extraction from your business — salary, dividends, and beyond
Exit and succession planning that secures your legacy for generations to come
A multi-disciplinary approach that aligns investment strategy with legal and tax planning — putting more wealth in your hands and protecting it for those you love.
Protect your estate from the 40% charge with proven, legal strategies tailored for business owners facing the new rules.
With pensions entering estates from 2027, a revised pension strategy is essential for every business owner.
Structured exit strategies that maximise what you keep, minimise what the taxman takes, and secure your future.
Tax-efficient investment structures that grow your personal wealth alongside your business, not in spite of it.
Ensuring your business and personal wealth passes to the next generation as smoothly and tax-efficiently as possible.
Navigating the new Business Relief landscape to identify what is still available and how to use it to protect your estate.
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Find out what steps you can take now to protect more of your estate — before the 2027 rule changes reduce your options. A free consultation is the first step.