Wrapper decision-making in a more complex planning world
Advisers and paraplanners are navigating frozen tax thresholds, tightened allowances, increased dividend taxation and pension death benefits moving into IHT – all at a time when clients’ accumulation, decumulation and legacy goals increasingly overlap.
Against this backdrop, strong industry narratives are emerging around income strategy and wrapper choice. But should familiar planning frameworks really be turned on their head, or is a more nuanced approach needed?
At AJ Bell, we don’t believe in tearing up the old playbook for the sake of it. Many familiar wrapper routes may still be right, but they now deserve a more deliberate sense-check. We call this The Great Wrapper Reset – and this hub is designed to help you through it.
Having pensions within the estate for inheritance could mean a big IHT bill, on top of beneficiaries paying income tax. But if clients counter this by withdrawing more from their pensions, they’ll end up paying more income tax in their lifetime.
There’s no ‘one size fits all’ solution – as our excellent pension v ISA withdrawal case studies demonstrate.
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The Great Wrapper Reset report
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Improve client outcomes with behavioural science
Produced in partnership with Technical Connection, our in-depth report explores how advisers and paraplanners are navigating an increasingly complex financial planning landscape, offering practical guidance to help you apply, evidence and revisit sound wrapper decisions.
Subtle shifts in the way you communicate can meaningfully influence how clients think, feel, and act.
Produced by Cowry Consulting, a global behavioural science consultancy, our free guide shares 10 tips for more effective client conversations, each driven by a key behavioural science principle.
Context: what the science says and why it works.
Application: a real-world example of each principle.
Action: how to apply them and drive better outcomes.
Request your bundle and we’ll deliver it to your inbox.
You've got plenty more to look forward to
The Great Wrapper Reset is an evolving story, so we’ll keep updating this hub with useful resources and support as time goes on.
Watch this space!
The Great Wrapper Reset – coming to a town near you!
7 - 22 September 2026
10 locations
The Great Wrapper Reset Tour brings together the key technical, investment, platform and behavioural considerations shaping wrapper strategy today.
Join us for a practical event designed to help you sense-check planning approaches, navigate client conversations and respond confidently in a more complex advice landscape.