Retirement Income Planning - How much impact are the IHT Changes having? Completely confidential as always. Chance to win £200 in Amazon Vouchers. Research in partnership with Fidelity Adviser Solutions.

This is research into one of the biggest issues for advisers and their clients

Take part in this important research and we will send you a copy of our report and enter you for a draw to win £200 Amazon Vouchers and we’ll Send All Respondents a copy of Our step By step guide to Consumer Understanding. Many thanks for taking part.

Question Title

1. How many advisers does your firm have ? (Required.)

1-5

6-10

11-20

21-50

51 plus

Question Title

2. Has the forthcoming changes to IHT for pensions (Required.)

Resulted in work with clients to explain the changes but without charging extra fees

Resulted in work with clients to explain the changes and charge extra fees

Been useful as it has led to more discussions with clients on IHT and estate planning

Any other impact resulting from the IHT changes?

Question Title

3. If the government needed to increase tax revenue, would you prefer (Required.)

Raising tax revenue via another source such as income tax or capital gains tax

Applying a flat rate to unused pension funds to ease the admin burden and simplfy the process

Applying IHT to unused pension funds as per the rules coming in next year

Other - if so please comment below

Other (please specify)

Question Title

4. How do your clients feel about the forthcoming changes to IHT on Pensions? (Required.)

They are largely unaware of it

They have some awareness of it but are unconcerned

They are unhappy at the changes and feel they make pensions less attractive

Any other client reaction you can comment on?

Question Title

5. What strategies are you using for your clients retirement and estate planning to reflect the IHT changes? ( please tick any which apply ) (Required.)

Recommending more annuities

Taking the tax free cash from a clients pension and using trusts or other IHT planning for these funds

Using other strategies to reduce IHT such as Equity Release or Business Relief Schemes

Starting to take income or taking more income and gifting it away or using other IHT planning strategies for these funds

Can you comment on any other strategies you are using ?

Question Title

6. Have you changed your processes since the March 2024 Retirement Income Thematic Review findings and the Good Practice issued in June 2025? Please tick which applies. (Required.)

Yes

Not yet - we are still considering the implications for our business

Other (please specify)

Question Title

7. When recommending retirement income solutions. Do you use? (Required.)

Annuities

Smoothed funds

Solutions with a wide investment choice

A product that allows you to create your own model portfolios

A product that supports your chosen third party MPS

Are there other retirement income solutions you use?

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8. When considering a client’s pension funds at retirement, do you recommend different types of products (for example annuity and drawdown) for the same client? (Required.)

Often

Sometimes

Infrequently

Never

Could you say why?

Question Title

9. Would you be more likely to recommend different types of products (for example annuity and drawdown) for the same client if they were available under one platform? (Required.)

Yes

Could you comment on this?

Question Title

10. Do you use cash flow modelling to help explain to a client the benefits and risks of your recommendation? (Required.)

I use it to explain to clients the benefits and risks of my recommendations

I don't use cash flow modelling

I use it to demonstrate how the client’s essential and discretionary income needs are being met

Do you have comments on this?

Question Title

11. What strategy do you have for managing sequencing of return risk for retirement clients? (Required.)

Cash funds for short term income

Smoothed funds

Annuities to cover core needs / essential expenditure

Natural income

Dynamically adjust funds to reflect income withdrawn

We do not specifically manage sequencing of return risk as the volatility in markets will ultimately average out the prices investments are sold at

The bucket approach

Any other strategies here?

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12. What other factors are currently influencing how you provide retirement advice and the solutions you use? (Required.)

Question Title

13. So we can send you our report on this research and enter you in our prize draw to win £200 in Amazon Vouchers please state your name and business email.

Question Title

* 1. How many advisers does your firm have ? (Required.)

Question Title

* 2. Has the forthcoming changes to IHT for pensions (Required.)

Question Title

* 3. If the government needed to increase tax revenue, would you prefer (Required.)

Question Title

* 4. How do your clients feel about the forthcoming changes to IHT on Pensions? (Required.)

Question Title

* 5. What strategies are you using for your clients retirement and estate planning to reflect the IHT changes? ( please tick any which apply ) (Required.)

Question Title

* 6. Have you changed your processes since the March 2024 Retirement Income Thematic Review findings and the Good Practice issued in June 2025? Please tick which applies. (Required.)

Question Title

* 7. When recommending retirement income solutions. Do you use? (Required.)

Question Title

* 8. When considering a client’s pension funds at retirement, do you recommend different types of products (for example annuity and drawdown) for the same client? (Required.)

Question Title

* 9. Would you be more likely to recommend different types of products (for example annuity and drawdown) for the same client if they were available under one platform? (Required.)

Question Title

* 10. Do you use cash flow modelling to help explain to a client the benefits and risks of your recommendation? (Required.)

Question Title

* 11. What strategy do you have for managing sequencing of return risk for retirement clients? (Required.)

Question Title

* 12. What other factors are currently influencing how you provide retirement advice and the solutions you use? (Required.)

Question Title

* 13. So we can send you our report on this research and enter you in our prize draw to win £200 in Amazon Vouchers please state your name and business email.

1. How many advisers does your firm have ? (Required.)

2. Has the forthcoming changes to IHT for pensions (Required.)

3. If the government needed to increase tax revenue, would you prefer (Required.)

4. How do your clients feel about the forthcoming changes to IHT on Pensions? (Required.)

5. What strategies are you using for your clients retirement and estate planning to reflect the IHT changes? ( please tick any which apply ) (Required.)

6. Have you changed your processes since the March 2024 Retirement Income Thematic Review findings and the Good Practice issued in June 2025? Please tick which applies. (Required.)

7. When recommending retirement income solutions. Do you use? (Required.)

8. When considering a client’s pension funds at retirement, do you recommend different types of products (for example annuity and drawdown) for the same client? (Required.)

9. Would you be more likely to recommend different types of products (for example annuity and drawdown) for the same client if they were available under one platform? (Required.)

10. Do you use cash flow modelling to help explain to a client the benefits and risks of your recommendation? (Required.)

11. What strategy do you have for managing sequencing of return risk for retirement clients? (Required.)

12. What other factors are currently influencing how you provide retirement advice and the solutions you use? (Required.)

13. So we can send you our report on this research and enter you in our prize draw to win £200 in Amazon Vouchers please state your name and business email.