by BTWC Ltd | Jul 9, 2026 | Consumer Duty Guidance, Estate Planning
From April 2027, one of the most significant changes to inheritance tax planning in decades will come into force. Under the new rules, most unused pension funds will form part of a person's estate for Inheritance Tax (IHT) purposes, fundamentally changing the way...
by BTWC Ltd | Jul 6, 2026 | Estate Planning, Estate Planning Insights
When clients tell you they want to "cut someone out of the Will", it's rarely as straightforward as it sounds. Perhaps there has been a family breakdown. Maybe one child has already received substantial financial assistance during the client's lifetime. Or perhaps the...
by BTWC Ltd | Jun 2, 2026 | Estate Planning
For many clients, creating a Will or Lasting Power of Attorney (LPA) feels like a one-time exercise. The documents are signed, stored safely away, and often forgotten about for years—sometimes decades. However, as estate planners, financial advisers, mortgage advisers...
by BTWC Ltd | Jun 1, 2026 | Estate Planning
Over the last 12 months, estate planning has continued to make headlines across the UK. From ongoing discussions around inheritance tax reform and pension planning to growing awareness of the importance of Lasting Powers of Attorney (LPAs), the message is becoming...
by BTWC Ltd | May 5, 2026 | Estate Planning, Estate Planning Insights, Wills
For decades, the pension fund has been one of the most powerful tools in the professional advisers armoury. Sitting outside the estate for Inheritance Tax (IHT) purposes, an undrawn pension pot could pass to beneficiaries free of the 40% charge that applies to most...
by BTWC Ltd | Apr 1, 2026 | Estate Planning
At BTWC, we recognise the important role our partner advisers play in delivering high-quality estate planning outcomes for clients. Whether you are an estate planner, financial adviser, mortgage adviser or accountant, navigating complex family dynamics is often one of...
