This is a guest blog authored by M&G as part of their involvement in GROW on Tour, May 2026.
Great news! M&G is joining the Verve CPD roadshow, GROW on Tour, this May.
Alongside Aspen, Marloo, Morningstar and Verve, we’ll be sharing practical insights to help advisers navigate the evolving advice landscape.
As part of the tour, M&G’s expert speakers, will explore how changing inheritance tax (IHT) rules are reshaping retirement planning, and what advisers can do to stay ahead.
GROW on Tour is a unique opportunity to hear from five expert speakers on the theme: “Building better client outcomes in a changing advice landscape,” alongside broader regulatory and planning considerations shaping the future of advice.
The M&G session will focus on IHT.
The interactive session starts with categorising assets into Green Money, Amber Money and Red Money; it’s a practical way of assessing whether funds are likely to be used in a client’s lifetime.
From there, it’s an exploration of the ‘Famous Five’ trust-based solutions, and how each plays against the asset types above. Advisers will quickly see what’s suitable, borderline or unlikely to deliver the right outcomes.
Then, scenarios. M&G will look at real-life situations where planning has been delayed, showing how options compress over time and early segmentation matters.
The interactive session will explore how proposed changes mean pensions can no longer be viewed in isolation from estate planning, and why advisers may need to rethink traditional strategies.
This session is designed to provide practical, actionable insight advisers can apply immediately with clients.
From 6 April 2027, most unused pension funds and death benefits are expected to be included within a client’s estate for inheritance tax purposes.
For many years, pensions have been used as an efficient way to pass on wealth. However, with thresholds frozen and rules evolving, this approach may no longer deliver the same outcomes.
As a result, advisers may need to:
As Les Cameron, Head of Technical at M&G, explains:
“Advisers will need to help clients think differently – balancing the need for a comfortable retirement with the goal of maximising the wealth passed on to loved ones. There are many ways to mitigate IHT, and advisers are best placed to tailor these to individual circumstances.”
The GROW on Tour CPD roadshow is completely free, but limited to just 30 delegates per event. The format is small group learning, with rotating speakers, and plenty of time for networking, coffee and questions built in.
Read the full GROW on Tour agenda here.
Secure your tickets today:
📍 Birmingham, Tues 12th May: Book now
📍 Reading, Wed 13th May: Book now
📍 Newcastle, Tues 19th May: Book now
📍 Glasgow, Wed 20th May: Book now
📍 Warrington, Thurs 21st May: Book now
