Protect your legacy: What you leave behind and what it costs

Recent Budget Changes Could Affect What Your Family Inherits — Are You Prepared?

Following the most recent Budget announcement, significant changes are coming to how Inheritance Tax (IHT) is applied — and they could impact your legacy more than you think.

We're hosting three in-person seminars to help you understand these new rules, explore your options, and ensure your estate is structured in the most efficient way possible.

🆕 What’s Changed?

The latest government updates may mean that:

• Pensions may now be counted as part of your estate, increasing your taxable amount.
• Thresholds and exemptions are tightening, meaning more estates could face a higher tax bill.
• New reporting rules and changes to lifetime gifting may reduce flexibility without proper planning.
• These changes could increase the IHT payable on estates that were previously unaffected, and catching up too late could mean your loved ones receive less than you intended.

💡 Why Attend This Seminar?

Our expert advisers will walk you through the new landscape and provide clear, practical strategies to protect your assets and legacy. Whether you have an existing estate plan or none at all, now is the time to revisit it.

🗓️ What You’ll Learn:

• How the new rules could affect your estate — including pensions
• Tax-efficient strategies to reduce IHT liability
• The role of gifting, trusts, and wills under the new rules
• Planning opportunities to protect your wealth for future generations
• Common mistakes to avoid and what proactive steps you should take now

👥 Who Should Attend?

• Homeowners and property investors
• Parents, grandparents, and anyone planning to pass on wealth
• Individuals with pensions or savings above the standard threshold
• Anyone who hasn’t reviewed their estate plan recently

📍 Event Details

We're hosting three informative, adviser-led sessions at local venues. Choose the one that best suits you:

Seminar 1 - Tuesday 7th October - 10-11:30 - Morley Hayes

Seminar 2 - Wednesday 15th October - 10-11:30 - Trent Bridge Cricket Ground

Seminar 3 - Thursday 23rd October - 10-11:30 - Derbyshire Cricket Ground

Each seminar includes expert presentations, real-life examples, and a Q&A session. You'll also have the chance to speak with our advisors one-to-one.

🎟️ Reserve Your Free Seat

Attendance is free, but spaces are limited and expected to fill quickly.

🔒 Take Control of What You Leave Behind

Don’t let changes to legislation undermine your years of hard work. Join us to get informed, get prepared, and make sure your legacy is passed on the way you intended.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

Will writing involves the referral to a service that is separate and distinct to those offered by St. James's Place. Wills and Trusts are not regulated by the Financial Conduct Authority.