Find out what your family
could lose to HMRC —
and how to protect it
Use our free Inheritance Tax calculator below to understand your exposure, then speak with Asad Khan, independent financial adviser, for a no-obligation consultation. We work with individuals and families across the UK.
Inheritance tax planning advice is not regulated by the Financial Conduct Authority.
The Ultimate IHT Planning Checklist
10 areas every UK family should review — including the April 2027 pension changes. Enter your details to receive your free copy.
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From April 2027,
your pension pot
joins your taxable estate
Currently, most defined contribution pension pots sit completely outside your estate for Inheritance Tax purposes. From April 2027, that changes. Unspent pension funds will be subject to IHT at 40% on death — one of the most significant rule changes in decades. For many UK families — particularly homeowners and pension holders — where combined asset values already exceed the nil-rate band, the impact could be very substantial.
Example: Estate Impact from April 2027
*Illustrative example only. Single individual, standard NRB + RNRB. Not financial advice. Tax rules may change.
What would your family actually pay?
Enter your details below to see an estimate of your potential Inheritance Tax liability — including the April 2027 pension rule change. Illustrative estimates only — always take qualified financial advice.
Inheritance Tax Estimator
Based on current HMRC thresholds — updated for 2025/26 & April 2027 changes
Your Estate Details
Your Estimated IHT Position
These are estimates only. A personalised review with Asad Khan could identify exactly how much is reducible through legitimate planning.
Get Free Personalised ReviewProfessionally qualified advice,
every step of the way
As independent financial planners, we take a structured, transparent approach to every client engagement — from the very first conversation through to ongoing support.
Initial Discovery Meeting
Your first meeting is entirely at our cost and without any obligation. We call this a discovery meeting — a relaxed 30 to 60-minute conversation where we learn about your financial goals and explore how we may be able to assist you. By the end, you will have enough information to decide whether to engage with us, and we will have sufficient understanding of your objectives to advise whether we can help.
Information Gathering
To identify your needs and opportunities, your adviser will gather detailed financial information through a thorough fact-finding process. Together, you will agree a clear set of objectives and a plan of action. Where relevant, we may ask you to sign letters of authority so we can investigate your existing arrangements in greater detail on your behalf.
Formal Engagement
Before any chargeable work begins, we put in place a formal engagement. This sets out your specific aims and objectives, agrees the ongoing service level most appropriate for you, confirms our fee structure and how fees will be paid, and clearly explains your rights as a client. Nothing proceeds until you are fully comfortable and in agreement.
Research & Recommendation
Your adviser will review any existing arrangements, research the most suitable options across the whole market, and prepare a set of personalised recommendations. A follow-up meeting is then held to present these recommendations, answer your questions, and confirm you are comfortable with the proposed approach before anything is put in place.
Implementation
Once all paperwork is complete, your adviser and a dedicated member of our experienced administration team work together to manage the implementation process as efficiently as possible. Where advice involves existing arrangements, we proactively chase third parties on your behalf to avoid unnecessary delays.
Ongoing Service
We pride ourselves on building lasting client relationships. Ongoing service is central to how we work — as your circumstances evolve, so too should your financial plan. The level and frequency of ongoing contact is agreed with your adviser during the engagement stage. A specific Service and Fee Agreement is provided to every client before any chargeable work is undertaken.
Independent advice.
Nationwide coverage.
We are not tied to any provider. As a whole-of-market firm, we access the full range of strategies and products to find what genuinely works for your estate — and we are based right here in your community.
FCA Regulated
An appointed representative of The On-Line Partnership Limited, authorised and regulated by the Financial Conduct Authority.
Whole of Market
Not restricted to any particular provider — our advice is always in your interest, never a product manufacturer’s.
UK Wide Coverage
We work with individuals and families throughout the UK, providing independent, whole-of-market financial advice tailored to your personal circumstances — wherever you are based.
Holistic Planning
IHT does not exist in isolation. We co-ordinate pensions, investments, life insurance, trusts and your will to build a complete picture.
Asad is an experienced independent financial adviser with deep expertise in estate planning and Inheritance Tax mitigation. He works with individuals and families throughout the UK — providing straightforward, jargon-free independent financial advice at no initial obligation.
What our clients say
“Asad was very knowledgeable and explained how he could help with the various aspects of my finances. He was polite and friendly throughout. I feel much more confident about my estate planning.”
“Asad made contact quickly and was able to answer my pension questions clearly. He advised what I should do next. The whole process was completely straightforward. Highly recommended.”
“Super helpful and intuitive. Asad provided lots of options and tailored solutions — exactly what we needed. He took real time to understand our family’s situation before making any recommendations.”
The Ultimate IHT Planning Checklist
Kingsmarque Wealth Management
The Ultimate IHT
Planning Checklist
Our 10-point checklist covers every area of Inheritance Tax planning in plain English — from nil-rate bands and pension nominations to trusts, gifting strategies and the April 2027 changes.
Ready to protect what you’ve worked for?
Book a free, no-obligation 20-minute call with Asad Khan. We will review your position, explain your options clearly, and outline what could be done. No commitment required.
Complete the form below and one of our inheritance tax specialists will be in touch within 24 hours.