2027 Pension IHT Exposure Scorecard

Are the 2027 Pension IHT Changes Going to Affect Your Family?

Discover your personalised IHT & Pension Exposure Score in under 3 minutes

From April 2027, most unused pension funds may be treated as part of your estate for Inheritance Tax. Combined with frozen IHT thresholds and rising property values, many families could face unexpected tax bills.

This quick scorecard helps you understand how exposed you might be and where simple planning could significantly improve outcomes for you and your loved ones.

It takes just 3 minutes
It’s completely free
Helps you see whether your gifting or inheritance plans are on the right track
Helps you decide whether action is needed
Receive customised results instantly

How it works:

1. Answer a Few Simple Questions

You’ll be guided through 12 quick multiple-choice questions about your pension, estate and planning arrangements.
There’s no jargon and no documents needed — just choose the answer that best reflects your situation.

2. Get Your Personalised Exposure Score

Once completed, you’ll instantly see how exposed you may be to Inheritance Tax and the upcoming 2027 pension rule changes.
Your score is broken down into four areas so you can clearly see where you’re strong and where there may be gaps.

3. Receive a Full Report by Email

A more detailed breakdown is emailed to you automatically.
This includes your category scores, explanations, and suggestions on what you may wish to consider next.

4. Optional: Book a Free Consultation

If you’d like to talk through your results or explore what they mean for your family, you can book a free 30-minute call with a qualified adviser.
There’s no cost and no obligation — just clarity.

You’ll be scored against the following key areas:

Estate Size & IHT Awareness

This covers:

Understanding the size of your estate
Awareness of IHT thresholds
Impact of frozen allowances and rising asset values

Pensions & the 2027 IHT Rules

This covers:

Knowledge of the 2027 pension changes
Whether your pension is being left untouched for inheritance
Whether death benefit nominations are up to date

Family Structure, Protection & Paperwork

This covers:

Marital/relationship status
Wills and Powers of Attorney
Practical readiness for costs and delays on death

Action, Gifting & Generational Wealth Planning

This covers:

Using allowances and lifetime planning
Confidence in meeting your own needs before gifting
Frequency of professional estate/IHT reviews

About Rowley Turton

Rowley Turton is an award-winning independent financial planning firm founded in 1996.

We help people make confident decisions about retirement, pensions and inheritance planning, with a focus on clarity, trust and long-term continuity.

Recognised as:

VouchedFor Top Rated Firm - 2025
New Model Adviser Top 100 firm - 2025
Financial Advisory Firm of the Year - 2025 Wealth & Asset Management Awards
Regional Firm of the Year (The Midlands) -
New Model Adviser Awards 2025

If your results raise questions, we’re here to help.

Customer testimonials

Here’s what our clients are saying about us

"Martin Stanley of Rowley Turton has been an invaluable support... He is a great financial advisor to have on your side with a wealth of experience and wisdom. Martin helped me navigate a very challenging situation with a previous wealth management company, ensuring regained control of my pension which had been mismanaged. Not only did he manage this transition with me with great care and expertise, but the first-year performance of my pension fund under his guidance has been beyond expectations... I have great respect for Martin and I would happily recommend him to anyone seeking a knowledgeable, trustworthy financial advisor."

Chris Cooper

"Scott is extremely professional and demonstrates very strong financial knowledge. It is clear he is highly experienced and is able to answer all types of different questions. He explains everything clearly and in a way that was easy to understand for all. The initial advice he provided was thoughtful, well-informed, and gave me real confidence in the next steps. I left the meeting feeling reassured, and I look forward to working with him further.."

Ben Whiteside

"I was recommended to contact Rowley Turton and Martin Stanley in particular by a work colleague. The conversation and advice i received was impartial, superbly explained and of great value. I could not have had a better experience and would highly recommend anyone using Rowley Turton."

Giuseppe Farruggia

"Recently met with Scott for my annual review. I’ve been with Rowley Turton for a few years now and consider it one of the best financial decisions I have made. Scott is always pragmatic, sensible and well-informed.
He was (politely) forceful on restructuring the investments I held when I first consulted him and I am very grateful for it as his advice proved its worth several times over. I particularly value his advice now as I head into the last few years before retirement: getting the financial advice right around when to target retirement and what the savings/pension will allow us to do thereafter is crucial. I feel in safe hands with him, and have done since day 1."

Philip de Voil

"Alan and Scott provided my husband and I with many years of sound financial advice. After the death of my husband Scott was there when I needed him the most. Scott has a calm professional approach to anything and everything financial. Through listening to me he has ensured that financially given that my circumstances changed very suddenly I’m heading along the right road. At no point have I ever felt rushed into anything and matters are always explained in a thorough manner. You are all amazing at Rowley Turton and I wouldn’t hesitate to recommend your services to anyone. Thank you!

Amanda Poyner

Chris Cooper

Ben Whiteside

Philip de Voil

Amanda Poyner

Chris Cooper

Ben Whiteside

Compliance & Important Information

This scorecard is for general information only and does not constitute personal financial advice.

Your financial circumstances are unique, and you should seek personalised recommendations before taking or refraining from any action.

Neither Rowley Turton (IFA) Ltd nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page. The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

Rowley Turton (IFA) Ltd is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 457946 http://www.fca.org.uk/register. Rowley Turton (IFA) Ltd Registered Address: Charnwood House, Harcourt Way, Meridian Business Park, Leicester LE19 1WP. Registered in England & Wales, No. 3145431.

The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK. Please note investments may rise and fall and you may not get back what you put in. Information on past performance, where given, is not necessarily a guide to future performance.

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