Bluebond

14/10/2026

🇬🇧 Which Pension Death Benefits Are Exempt From Inheritance Tax From April 2027?

From 6 April 2027, most unused personal pension funds and death benefits count towards your estate for inheritance tax under Finance Act 2026.

Some payments stay outside the charge regardless of who receives them, provided the payment meets the structural test in the new rules. Death in service benefits stay outside the charge, but only a death benefit tied to your current employment or work qualifies as death in service. A dependants' or nominee's annuity is excluded only if purchased together with your own lifetime annuity. This is general information, not personal advice.

Read the full article here 👇
https://zurl.co/Y5Y7j

Not every pension death benefit is taxed the same way from April 2027. See which payment types, and which beneficiaries, stay outside inheritance tax entirely.

08/10/2026

🏡19 out of 20 Bluebond clients legitimately pay £0 inheritance tax. Here's how families plan for it.

If you've built wealth you want to pass on to your family, "Solutions for Inheritance Tax in the UK" will show you what's at stake and what you can do about it. 💷

In this free live webinar, Charles de Lastic will cover:
✅ How you can legally reduce inheritance tax
✅ What most families get wrong, and how to steer clear of it
✅ Which strategies actually work in real situations

🎤 Plus a live Q&A, so you can put your questions to Charles directly.

🎁 Attendees can also get their IHT Plan for £297 instead of £797.

Free to join. 🙌
🗓️ Saturday, 10th of October, at 8:30am
👉 Register for free: https://zurl.co/zneJY

Charles de Lastic, Founder, Bluebond Tax Planning
Over 20 years helping UK families protect their wealth from inheritance tax.

Based on clients who fully implement their recommended IHT planning. Individual results vary depending on personal circumstances.

07/10/2026

🇬🇧 Does the Pension Inheritance Tax Spouse Exemption Cover Your Children Too?

The pension inheritance tax spouse exemption does not extend to your children in the same way it protects your spouse or civil partner.

From 6 April 2027, unused pension funds and death benefits count towards your estate for inheritance tax. A pension can pass to your spouse or civil partner free of inheritance tax in most cases, but if your spouse is not a long-term UK resident, the exemption is capped at the nil-rate band, £325,000 (2026/27).

Pensions left to your children carry no spouse-style exemption and can face inheritance tax at 40% (the 2026/27 rate) once your estate exceeds its allowances. On a £400,000 pension taxed in full at that rate, the charge is £160,000. This figure is an illustration, not a personal calculation.

Read the full article here 👇
https://zurl.co/F3oTz

Pensions join your estate for inheritance tax from April 2027. The spouse exemption can be unlimited, capped at £325,000, or unavailable, depending on residency and who inherits.

01/10/2026

📉 Most families don't plan to leave a large part of their estate to the taxman. They just never got round to doing anything about it.

If you're building wealth for your family, "Smart Tax and Retirement Planning" is your chance to see what's actually at risk, and how to legally reduce your UK taxes before it's too late. 💷

In this free live webinar, Charles de Lastic will cover:
✅ How you can legally reduce your tax bill and stop overpaying HMRC
✅ Why the 2027 pension changes could cost your family tens of thousands, and the steps you can take now
✅ The pension planning issues UK families face
✅ How tax interacts with your pension and estate, and the costly mistakes you need to avoid

🎤 Plus a live Q&A at the end, so you can put your questions to Charles directly.

Free to join. 🙌
🗓️ Saturday 3 October at 8:30 AM

👉 Register for free: https://zurl.co/6E4Zu

Charles de Lastic, Founder, Bluebond Tax Planning

Over 20 years helping UK families protect their wealth from inheritance tax.

30/09/2026

🇬🇧 How Much Inheritance Tax Do £2m, £5m and £10m Estates Pay? Worked Examples

A £2 million estate, a £5 million estate and a £10 million estate can face very different inheritance tax outcomes, not just different totals.

In our worked examples (a married couple with full transferable allowances and no earlier gifts), a £2 million estate could still face a £400,000 bill, and at £2.1 million the residence nil-rate band taper adds roughly £20,000 more. A £5 million estate with a £2 million qualifying trading business could face £940,000 once Business Relief applies, against £1,740,000 without it. A £10 million estate with the same business gets no more relief, because the £2.5 million Business Relief and Agricultural Relief allowance introduced on 6 April 2026 is fixed per person, not scaled to estate size. These figures are illustrations, not a personal calculation.

Read the full article here 👇
https://zurl.co/CDyf6

Three worked UK inheritance tax examples, £2 million, £5 million and £10 million estates, showing exactly how the RNRB taper and the £2.5 million Business Relief allowance change the bill.

25/09/2026

🇬🇧 You own half your home and your son owns the other half. How do you pass your share to him tax-efficiently?

From a Bluebond internal adviser meeting: Marco, Financial Planner, raises a real client question. A father owns 50% of a home, his son owns the other 50%, and he wants to pass his half to his son. How can capital gains tax allowances help, and when does stamp duty come into it? Charles, Founder, explains.

24/09/2026

🇬🇧 Most families lose up to 40% of their estate to inheritance tax. This Saturday, we show you how to legally avoid it.

Join our free live webinar, Solutions for Inheritance Tax in the UK, on Saturday 26 September at 8:30 AM GMT with Charles de Lastic. You'll learn how to reduce or eliminate inheritance tax legally, what most families get wrong, and which strategies actually work in real situations. Attendees also get their personalised IHT Plan for £297 instead of £797.

Register here 👇
https://www.bluebond.co.uk/iht-webinar-offer/

21/09/2026

🇬🇧 Family Investment Company vs Trust: Which Suits an Estate Over £2 Million?

Trusts trigger an immediate 20% charge above your nil-rate band, plus up to 6% every ten years. A family investment company can take an unlimited contribution without that immediate charge — but pays corporation tax instead. Most estates above £2 million end up using both, matched to the assets.
Read the whole article on our website: https://zurl.co/9qRVp

A family investment company and a trust both work for UK inheritance tax planning, but the upfront cost and ongoing tax differ sharply above £2 million. Here is how to choose.

18/09/2026

🇬🇧 Most families don't plan to leave 40% of their estate to the taxman. They just never got round to doing anything about it.

If you're building wealth for your family, "Smart Tax and Retirement Planning" is your chance to understand what's actually at risk, and what you can do about it before it's too late.

In this free webinar, Charles de Lastic will cover:
– Why procrastination is the biggest reason families lose money to Inheritance Tax
– How pension changes affect your retirement and estate planning from 2027
– The strategies Bluebond clients use to protect what they've built

Free to join. Spaces are limited each session.

📅 Saturday 19 September at 8:30am
Register for free: https://www.bluebond.co.uk/pension-tax-webinar-offer/

Charles de Lastic, Founder, Bluebond Tax Planning

14/09/2026

🇬🇧 Inheritance Tax Planning for Estates Over £2 Million
Think your estate is too big to shelter from IHT? Above £2 million, the rules quietly flip on you - your residence nil-rate band starts disappearing, gone entirely by £2.35 million.

Add the new £2.5 million cap on Business Property Relief from 6 April 2026, and in one worked example, a couple with a £5 million estate could face a £940,000 bill. The real question isn't how much you give away each year - it's how your assets are held.
Read the full article here 👇

https://www.bluebond.co.uk/our-resources/articles/inheritance-tax-planning-estates-over-2-million/