The Situation
The scenario models a retired couple aged 62 and 65 with an £820,000 detached home in the South East and a recently inherited £395,000 second property. Their combined estate now exceeds £1.5 million.
They jointly hold £395,000 in ISAs and £1.1m in drawdown SIPPs. Under the current IHT rules (pensions outside the estate), the heirs face around £200,000 of IHT. Under the 2027 regime — pensions inside the estate — that figure climbs by over £100,000.
Scenario dashboard — projection hero with KPI cards
What Wealth365 Showed
Wealth365's Estate panel exposes a tri-state IHT regime toggle: current rules, 2027 rules, or "not set". Switching to 2027 instantly recalculates the estate summary, exposing the incremental pension-in-estate IHT cost of £108,000.
The projection also tracks how the IHT liability evolves over time as the couple draws down the pensions — and the crossover point where drawdown actually reduces the liability below the 2027 baseline.
Year-by-year projection with income, expenses and net worth
The Feature That Changed Things
The IHT 2027 toggle is a single click in the Estate panel. The estate summary instantly re-renders the total IHT, available allowances (£325k nil-rate band per person, £175k RNRB on the main home), and the net liability.
The scenario tests gifting the second property over seven years versus retaining it, comparing the IHT position side-by-side in the Scenario Builder.
IHT 2027 toggle in the Estate panel — current vs 2027 regime comparison
KPI summary — on-track %, projected wealth at retirement, and sustainable income
Key Numbers from the Plan
Computed live from the Wealth365 projection ledger for this scenario’s seeded plan.
What They Did Next
The Estate PDF report and Multi-Year Financial Statements (Excel) can be handed to a solicitor and IFA as evidence packs. A combination of drawdown acceleration and a phased gifting strategy — all modelled as Wealth365 scenarios — drives the joint advisory meeting.
Custom-branded PDF report — ready to share or save (Multi-Year Financial Statements Excel workbook produced from the same plan)