Your Pension, Your Legacy
Your pension. Your family.
A more considered future.
Understanding the connection between your pension, your estate and inheritance tax.
Clear information, at your own pace. Start with the basics, explore what is changing, or prepare questions about your own circumstances.
Sponsored by Wealth Lab Financial Services LLP
Let’s find your starting point.
No knowledge of pensions or tax needed. These choices help you decide what to read, without asking for personal or financial details.
This helps you find information. It does not assess your tax position or recommend a financial decision.
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Pensions and Inheritance Tax Explained
Start with pensions, your estate and the language used in inheritance tax.
Start with the basics →What’s changing
Explore the change in April 2027 and where to find the official detail.
Understand the changes →Your next questions
Prepare for a useful conversation about your own circumstances.
Prepare your questions →A little clarity
A few common questions.
Do I need to know anything about pensions to start?
No. Start with Pensions and Inheritance Tax Explained, which introduces the main terms and gives you a foundation for the other guides.
Does the April 2027 change mean every pension will be taxed?
No. The government’s change covers most unused pension funds and pension death benefits. That does not mean every pension is affected in the same way or that every estate will owe inheritance tax. The rules, exemptions and individual circumstances matter. Read the official explanation.
Is this personal financial advice?
No. This resource provides general educational information. It cannot tell you how the rules apply to your circumstances or what financial decisions to make. Personal advice requires a discussion of your individual situation.
About this resource
Information first.
Advice when you need it.
Your Pension, Your Legacy is an educational resource sponsored by Wealth Lab Financial Services LLP. Its purpose is to help you understand the subject and prepare useful questions.
You can read the information without signing up or making an enquiry.
Thinking about your own circumstances?
A useful first step is to gather your pension details and write down what you want to understand before speaking to an adviser.
Prepare for a conversation →General information is not a substitute for advice tailored to you. Tax treatment depends on individual circumstances and rules may change.
Source: GOV.UK: Inheritance Tax — unused pension funds and death benefits. Source checked 30 October 2026. This date records source checking, not approval of this page.