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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

Navigating the new pension IHT changes

Understand how inheritance tax will be applied to pension death benefits and the steps you can take to simplify the estate.

NextWealth report – the headlines that matter

This practical guide, in partnership with NextWealth, explores how advisers are responding to the upcoming pension IHT changes- highlighting key risks, client behaviour, and what leading firms are doing differently.

Step by step guide to reinvesting PCLS

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.

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.

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.

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.