A growing number of UK parents are paying into pensions their children cannot touch until at least 57, betting on six decades of compounding and a tax system that stays broadly favourable.
From April 2027, unused pension funds will be brought into inheritance tax for the first time, with effective combined tax rates potentially reaching 67% — here is what UK families need to understand and consider before the rules change.
Trusts offer families sophisticated legal frameworks for protecting long-term savings while maintaining control over how wealth is distributed across generations.
Britain faces a retirement crisis as demographic changes and inadequate savings threaten to leave tomorrow's pensioners significantly poorer than today's retirees.
