The Inheritance Tax Trap
The 2027 IHT Change That Could Cost Your Family Thousands
Tuesday 20 October 2026
Kingdom, Penshurst
Arrival from 10.30am | Presentation and Q&A at
11.00am | Complimentary lunch at 12.30pm
Free to attend | Only 50 places available
Could the 2027 IHT changes affect your family?
A significant change to the Inheritance Tax rules comes into force on 6 April 2027, but many people may not yet realise how it could affect them and their family.
From that date, most unused pension funds and death benefits will be included when calculating the value of an estate for Inheritance Tax. This could mean more estates exceed the available IHT thresholds, including some that may not previously have been expected to face an IHT bill.
If your total estate, including your pension, exceeds the available IHT thresholds, the taxable value could be charged at up to 40%.
After a lifetime of earning, saving and paying tax, it’s understandable to feel frustrated at the thought of more of the wealth you intended for your family being lost to tax.
Our Inheritance Tax Trap event is designed to help you understand what is changing, whether it could affect you and what you can start thinking about now.
What will you learn?
During the morning, we’ll cover:
- How Inheritance Tax could affect your estate
- What the 2027 IHT changes to pensions could mean for you and your family
- How including your pension could push more of your estate above the available IHT thresholds
- Practical estate planning strategies that could help reduce or even eliminate an IHT liability
- The steps you can consider now to help protect more of your wealth for the people you care about
Why attend?
During the morning, we’ll cover:
- Understand whether the 2027 changes could affect you and why more estates may fall within the scope of Inheritance Tax
- Hear clear explanations from experienced financial professionals, without unnecessary jargon
- Put your questions to our panel during a dedicated Q&A, giving you the opportunity to explore the issues and planning considerations that matter most to you
- Find out what you can start thinking about now, rather than waiting until the new rules come into force
- Enjoy a relaxed morning at Kingdom, followed by a complimentary lunch in one of Kent’s most distinctive venues
A morning at Kingdom
Kingdom, Grove Road, Penshurst, Tonbridge TN11 8DU
Set amongst woodland in the Kent countryside, Kingdom provides a distinctive and relaxed setting for what we hope will be an informative and enjoyable morning.
Join us from 10.30am for tea and coffee, before the presentation and Q&A begin at 11.00am.
At 12.30pm, guests are invited to stay for a complimentary lunch at Kingdom, with the opportunity to continue conversations in a more informal setting.
Meet your speakers
David Braithwaite
Managing Director & BBC Radio Kent’s Money Mentor
David is a highly experienced financial adviser and a regular contributor to BBC Radio Kent, where he appears as the station’s Money Mentor.
Karen Gorbutt
Financial Adviser
Karen helps clients make sense of complex financial decisions, including pensions, retirement and estate planning.
Richard Harris
Chief Operating Officer & Economic and Market Commentator
Richard regularly explains economic and market developments through Citrus Bites, helping put financial decisions into wider context.
Event details
Tuesday 20th October
10.30am: Arrival, tea & coffee
11.00am: Presentation and dedicated Q&A
12.30: Complimentary lunch and opportunity to chat to the speakers
Venue
Kingdom
Grove Road
Penshurst
Tonbridge
TN11 8DU
Reserve your free place
Only 50 places are available
The event is completely free to attend, but advance registration is required and places will be allocated on a first come, first served basis.
Complete the short form below to reserve your place.
Reserve your place now
About Citrus Financial
Founded in Sevenoaks by David Braithwaite, Citrus Financial has grown into a trusted local advice firm with a team of experienced financial advisers. Based in Chipstead, we help families across the South East feel better off and more confident about their finances. Whether it’s investments, pensions, mortgages, or inheritance planning, our mission is simple: to give you clarity, confidence, and control over your money.
In 2026, Citrus Financial was named Adviser Firm of the Year, South East at the Professional Adviser Awards.
Approver Quilter Financial Services Ltd 20/08/2026