--- title: The Great Wrapper Reset --- [Skip to content](https://landing.investcentre.co.uk/the-great-wrapper-reset#main-content) [![AJ Bell Feel good advising](https://landing.investcentre.co.uk/hs-fs/hubfs/AJ%20Bell%20logo_Feel_good_advising_White%20stacked%20lock-up.png?width=225&height=95&name=AJ%20Bell%20logo_Feel_good_advising_White%20stacked%20lock-up.png "AJ Bell Feel good advising")](https://www.investcentre.co.uk/) # THE GREAT WRAPPER RESET [TALK TO US ABOUT WRAPPER PLANNING](https://landing.investcentre.co.uk/the-great-wrapper-reset-contact-us?hsLang=en) ## 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. ![Pogo\_500x700](https://landing.investcentre.co.uk/hs-fs/hubfs/Pogo_500x700.png?width=1428&height=2000&name=Pogo_500x700.png "Pogo_500x700") ## Is it now just a case of ‘use pensions first’? ![Bell\_500x700](https://landing.investcentre.co.uk/hs-fs/hubfs/Bell_500x700.png?width=800&height=1120&name=Bell_500x700.png "Bell_500x700") 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. [![\VIEW CASE STUDIES \](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/143403424/interactive-433170390209.png)](https://landing.investcentre.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLLOwDjcLAfcmpS%2B5fQvmRM%2FeR%2BIDYRlwYIit7FvJ8D8PRkM%2BSgNBPNP%2BOLd46gWEEeCevAQbBpvnvXzV4K99BSDoX2IbdS0va43m6dPb872xvw%2BHF5OElQXkS26EFFPATkGOIW55a1JW9%2FMd6a6pi6sNdxnntg80HI%2BjfFhtJ3xDmoHUbNxwfkaEdTEUvJ5MeXNs7MHDauhHqqvOdJzjq%2BTxTWHUnxDxof7nXUvagTbOhaZpX0Ff%2BPeojkSWzzhgylqAOUh%2FS0tPbB7Cajz4KMtj1NAZatE0fJaDfnzp%2BRAm9cUggy48oxFQCvm6%2FK8njCG%2F0tbPEPLV%2BX17XjeXIoU3l7qX2T31ZXoKpTrozIUkLEk%2BEWAPL6JZNxWEUlOETO0CphK%2Fax9niqc7%2BMQydYiBqVF0t4Qof%2BGW%2FsKTDNnp7zFlbIRFxRK%2BjMFIH5iLRtu60SHKQ%3D%3D&webInteractiveContentId=433170390209&portalId=143403424&hsLang=en) ## Two fantastic resources, straight to your inbox ![GWR report cover](https://landing.investcentre.co.uk/hs-fs/hubfs/ReportCover_880x500_2.png?width=703&height=400&name=ReportCover_880x500_2.png "GWR report cover") ![Behavioural science tips cover](https://landing.investcentre.co.uk/hs-fs/hubfs/ReportCover_880x500_1.png?width=703&height=400&name=ReportCover_880x500_1.png "Behavioural science tips cover") ## 1 ## The Great Wrapper Reset report ## 2 ## 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 9 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.            [REQUEST YOUR BUNDLE](https://landing.investcentre.co.uk/the-great-wrapper-reset-essential-bundle?hsLang=en) ## Rethink your wrapper strategy Days Hours Minutes Seconds Pension IHT reforms, ISA developments and changing client priorities are challenging established wrapper strategies. Join our Great Wrapper Reset webinar to explore the latest planning developments, new adviser research and behavioural science techniques that can support more confident client decisions. 📅 27 October ⏰ 10am  [REGISTER NOW](https://ajbellplc.registration.goldcast.io/webinar/f78ac66d-e30a-433a-a149-4c83b3133f4f) ## 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!***  ![More\_GWR\_500x600](https://landing.investcentre.co.uk/hs-fs/hubfs/More_GWR_500x600.png?width=400&height=480&name=More_GWR_500x600.png "More_GWR_500x600") The information on this page is intended for professional advisers only. *4 Exchange Quay, Salford Quays, Manchester M5 3EE* Copyright © 2026, AJ Bell