Ticked more than you expected?

From 6 April 2027, most unused pension funds and pension death benefits will be taken into account for UK inheritance tax, and a pension in a UK-established registered scheme can remain within scope even if you live abroad. Exclusions and exemptions can apply, so what that means for your family depends on the benefit, the scheme and your family's residence position. Those are facts to map before anything is moved.

A complimentary 30-minute introductory review with a Skybound Wealth expert does exactly that. Together we will map which of your pensions may be in scope, the residence questions that apply to you and what to review first. It is not personal tax advice or a product recommendation. Any recommendation would follow our normal fact-find, suitability and advice process.

Who this is for

This review is for you if:

• You ticked six or more statements in the checklist, or any of statements 22, 24 or 25
• You hold a UK pension, whether a workplace scheme, a personal pension or a SIPP, and live outside the UK
• You lived in the UK for 10 or more of the 20 tax years before you left, and left less than 10 tax years ago
• You and your spouse or civil partner have different UK residence histories
• Your children, or beneficiaries who live outside the UK, would inherit from your pension
• You are thinking of taking more out of your pension, giving money away or moving a pension overseas before April 2027
• Your executors do not yet know what you hold, where it is and who to contact

What happens in the 30 minutes

1. We map the facts. Which pensions you hold, where each scheme is established, your residence history and who would inherit.
2. We sort what matters first. Nominations, wills and paperwork that can be fixed now, and the questions that can wait for HMRC's remaining guidance.
3. We agree the next step, if there is one. Often it is a few conversations and some paperwork. Sometimes it is a fuller review. Nothing is moved in the meeting.

Useful to have to hand

Your completed checklist, your latest pension statements and the tax year you left the UK. None of it is essential; we can start from wherever you are.

Closing line: If you are unsure what to do before April 2027, that is exactly when to book.

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