When people think about estate planning, the conversation often starts — and ends — with tax.

• How much Inheritance Tax might be due?
• How can it be reduced?
• What structures are the most tax-efficient?

While tax is clearly important, focusing on it in isolation can sometimes lead to plans that are overly rigid, unnecessarily complex, or — worse — create confusion or tension within families later on.

As we move into 2026, with pensions, ISAs and trusts sitting in an increasingly complex post-reform landscape, well-intentioned planning can have unintended consequences if it isn’t thought through carefully.

That’s why we’re hosting a free webinar looking at passing wealth on sensibly, with the emphasis firmly on helping your family, not just minimising tax.

Why “tax efficiency” isn’t always the right objective

In our experience at Rowley Turton, problems often arise not because families have done the wrong thing legally, but because the objective of the planning was too narrow.

Examples we regularly see include:

• Assets gifted too early, leaving parents financially vulnerable later in life

• Pension or trust arrangements that work well on paper but remove flexibility

• Perceived unfairness between children or beneficiaries

• A lack of clarity, leading to misunderstandings or disputes

Good planning should take tax into account — but it should also consider control, access, flexibility and how family circumstances may change over time.

What’s changed as we head into 2026?

The planning environment is becoming more complex, not less. In particular:

• Pensions are playing a bigger role in estate planning discussions

• ISAs, while simple on the surface, don’t always achieve the desired outcomes

• Trusts remain valuable but are often misunderstood or used too aggressively

Against this backdrop, decisions made today can have long-lasting effects on both finances and family relationships.

That’s why taking a step back and reviewing how wealth is passed on — not just how much tax is paid — is increasingly important.

What the webinar will cover

In this practical, educational session, we’ll explore:

• Why tax efficiency alone can be a poor planning objective

• How to balance access, control and flexibility as life changes

• The pros and cons of pensions, ISAs and trusts in 2026

• Common family disputes that can often be avoided with clearer planning

The session is designed to be informative and thought-provoking, without sales pitches or one-size-fits-all solutions.

Who is the webinar for?

This webinar is suitable for:

• Parents or grandparents thinking about passing wealth on

• Those with pensions, investments or savings who want clarity and flexibility

• Families keen to reduce the risk of future misunderstandings

• Anyone reviewing their estate or succession plans in 2026

Webinar details

🗓 Thursday 29 January 2026
⏰ 11:00 am (UK time)
⏳ 60 minutes, including time for questions
💻 Online webinar
🎁 Bonus: Complimentary hard copy of Enough? by Paul Armson for attendees

The webinar is free to attend, but places are limited.

👉 Register here:

Register for the Webinar

Final thought

Good estate planning isn’t about clever structures or chasing the lowest possible tax bill.

It’s about confidence, clarity and helping your family — while keeping the flexibility to adapt as life inevitably changes.

If that resonates, we hope you’ll join us.