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Pension crystallisation tool

Model the impact for your clients

The pension crystallisation tool is for financial adviser use only, and can help you:

  • project how your client’s wealth may grow over their lifetime and estimate the potential inheritance tax (IHT) on death, including the impact of double taxation on pension assets
  • model the impact of moving their pension commencement lump sum (PCLS) and gifting it into an IHT efficient trust and taking pension withdrawals
  • see if you can help your clients reduce the IHT exposure on their estate, reinstate any lost residence nil-rate band (RNRB), and boost their legacy.
Download the pension crystallisation tool Read the tool user guide

Case studies

Read our case studies which bring to life the impact of the IHT changes for single and joint life clients, and how you can use the pension crystallisation tool to model your advice strategies.

Preparing for the pension IHT changes

To help you prepare for the IHT changes to pensions, read our handy readiness guide, which will highlight some practical steps you can take, especially around your client data.

Why Quilter

In this changing tax landscape you need a platform that can support your financial planning strategies without compromise. Read more about Quilter's true financial planning platform.

Step-by-step guide to reinvesting PCLS into Quilter wrappers

  • If your client holds a Collective Retirement Account and wants to reinvest their PCLS into a Quilter bond and trust, follow our step-by-step guide.
  • Read the guide before submitting your bond and trust application.
  • The trust type chosen affects the application process; in most cases, you should NOT date the trust.
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