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From 6 April 2027, unused pension pots will be drawn into the inheritance tax net, changing a assumption that has shaped retirement planning for a generation. This is a practical, plain-English walkthrough for ordinary families, with seven steps worth taking well before the deadline.
Changing employers can leave a trail of workplace pensions, each with its own charges, fund choices and beneficiary arrangements. This five-stage audit offers a calm way to trace old pots, test whether they still suit your plans and judge whether consolidation is truly worthwhile.
The years between 55 and 60 are less a countdown than a planning window. For UK savers approaching pension access, five practical choices can matter more than the headline size of the pot.