76. Self-Invested Personal Pensions and Inheritance Tax: Why UK Pensions Are Moving Inside the IHT Net and Why You Don’t Need to Panic

76. Self-Invested Personal Pensions and Inheritance Tax: Why UK Pensions Are Moving Inside the IHT Net and Why You Don’t Need to Panic

From Expat Wealth - Cross-Border Financial Advice for Expats in America and Americans Abroad by Richard Taylor

March 5, 2026 · 44 min · Episode 76

About this episode

This episode discusses the implications of UK pensions moving inside the inheritance tax net and offers practical financial advice for expats navigating complex tax rules.

In an era of political turmoil, rapid technological change, and shifting tax rules, internationally minded investors, especially expats, face a landscape that feels more uncertain than ever. Yet within that uncertainty are clear, practical steps you can take to protect your wealth, manage risk, and live well. When you’re a British expat or US-connected family navigating dual tax UK and US rules, even small misunderstandings can lead to outsized financial consequences. The difference between confident decision-making and costly mistakes often comes down to working with the right international advisor and having a clear long-term plan. In this episode of Expat Wealth, Richard Taylor – dual UK/US citizen and Chartered Financial Planner – is joined by James Boyle – Lead Financial Planner at Plan First Wealth to unpack the real-world financial conversations happening behind the scenes with globally mobile families. As technology evolves and more people turn to artificial intelligence for quick answers, it’s becoming easier to find information, but harder to interpret it correctly. Tax language is nuanced. American tax reporting rules can carry severe penalties if misunderstood. For…

People in this episode

Host: Richard Taylor

Guest: James Boyle

Topics covered

  • UK pensions
  • inheritance tax
  • cross-border financial advice
  • expat wealth management
  • tax rules
  • financial planning

Keywords

  • self-invested personal pensions
  • inheritance tax
  • expats
  • financial planning
  • tax rules
  • wealth management
  • cross-border advice

Mentioned in this episode

Organizations: Plan First Wealth

Places: UK, US

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