MFI — Pensions · workplace, SIPP, final-salary & State Pension (richer v4)
New screen (TT-382 follow-up). Shows David's pension pots, the all-important beneficiary nominations, an honest "pensions pass outside the will" explainer, the planned April 2027 IHT change, and the executor steps. Legal slate-blue; tax sienna track.

Your pensions

Pensions are often the largest thing a family inherits — and the part most people forget to keep tidy. Here are David's pots, who is set to receive each one, and a plain explanation of how they pass on (it is not through the will).

3 pensions + State Pension ✓ Nominations on file ⚠ 1 nomination to review

Defined-contribution pots

£230,000

2 pots · pass by nomination

Aviva workplace

£142,000

Defined contribution

Hargreaves Lansdown SIPP

£88,000

Self-invested

Final-salary pension

£9,200/yr

50% continues to spouse

💡

Your pensions usually do not pass through your will. Each pension is normally paid to whoever you have nominated with the provider (an "expression of wish") — paid outside probate, often within weeks, and usually free of Inheritance Tax today. That makes keeping these nominations up to date one of the most important things you can do. Your will does not override them.

Your pension pots ✓ Open Banking / provider

Balances refreshed from each provider. You did not have to type them in.

Aviva

Aviva Workplace Pension

Defined contribution · policy AV-7741203 · via former employer

Nominated: Margaret Richards (wife) 100% · last confirmed Mar 2024

£142,000

✓ up to date

Hargreaves Lansdown SIPP

Self-invested personal pension · account HL-558210

Nominated: Margaret 50%, Paul & Sarah 25% each · last confirmed Jan 2023

£88,000

⚠ review

Stratstone Group Final-Salary Scheme

Defined benefit · pays £9,200/year · in payment

On death, a 50% spouse's pension (£4,600/yr) continues to Margaret for life

£9,200/yr

scheme rules

State Pension

Full new State Pension · £230.25/week · National Insurance record complete

Stops on death. A Bereavement Support Payment may be claimable by Margaret — the executor checklist covers it.

£11,973/yr

DWP

Keeping your nominations right INHERIT rules

Aviva workplace

Margaret 100% — current

HL SIPP

Set in 2023 — worth a fresh look

Final-salary scheme

Spouse's pension fixed by scheme rules

Why it matters

The provider follows your nomination, not your will

A quick review is suggested when you marry, divorce, have children, or every few years. We will remind you — nothing changes without you.

For your executor open standard

☐

Tell each pension provider of the death

Death certificate + policy number

☐

Claim the defined-contribution pots

Paid to nominees, outside probate

☐

Arrange the spouse's final-salary pension

50% continues to Margaret

☐

Tell DWP — stop State Pension

Use the Tell Us Once service

☐

Check Bereavement Support Payment

Margaret may be eligible

As INHERIT data open standard

Everything on this page is structured, portable data — not locked into MFI.

Feature	INHERIT source	What it does here
Pension pots	`asset.pension[]` · type, provider, value	Lists each pot with its live balance and scheme type
Nomination	`pension.nomination[]` (expression of wish)	Records who is set to receive each pot, and the share
Probate routing	`estate.outsideProbate` flag	Marks DC pensions as passing outside the will
IHT treatment	`tax.iht.pensionTreatment` (E&W)	Currently outside the estate; flags the 6 Apr 2027 change
Beneficiary income tax	`tax.incomeTax.deathAfter75`	Flags income tax for the beneficiary if death is on/after 75

Who is set to receive these

Margaret Richards

Wife

Paul Richards

Son

Sarah Richards

Daughter

Pensions & tax

In your estate for IHT todayUsually not

From 6 April 2027 (planned)Brought in

Income tax for the receiverIf death 75+

Today: defined-contribution pensions are normally held outside your estate, so they usually pass free of Inheritance Tax to your nominated people.

Changing soon: from 6 April 2027 the government plans to count unused pension funds as part of the estate for IHT. We will keep this figure honest as the rules confirm — and flag it if it would affect you.

Computed against INHERIT · E&W Tax · reviewed: Stable

Pension balances are taken from your providers on the date shown and will change with markets. How a pension passes on depends on its scheme rules and your nomination; defined-contribution pensions are normally paid outside the will. Tax figures are a guide computed against the INHERIT E&W Tax module for planning only — they are not tax advice, and pension tax rules (including the planned 6 April 2027 Inheritance Tax change) may alter. MyFamilyInherits does not provide legal or tax advice; regulated firms do. We will never charge your card automatically.

Built on INHERIT v2

This demo is built on INHERIT v2 — an open standard for describing an estate. We show you honestly which parts of this screen the standard can hold today, which are planned, and which are still gaps.

Supported now2 entriesThe standard already has a place for this today.
Supported now · shared core0 entriesSupported by the part of the standard shared across our brands.
Planned4 entriesA change proposal covers this. Where we can check the standard’s own record, we show its status.
Gap — needs planning0 entriesOn the screen, but no change proposal covers it yet. These still need planning.
Not a standard concept0 entriesPage furniture, or something we decided the standard should not hold.

6 traced entries on this screen, from two overlapping traces

Each entry comes from either the screen’s feature list or the data the screen displays. The two traces overlap, so one feature can appear twice: these are entries, not a count of distinct features.

PlannedBalances refreshed from the provider, not typed in
ICP-0030 Catalogue item-import adapter (pending in the standard)
traced from the data this screen displays
PlannedBeneficiary nomination ("expression of wish")
ICP-0024 Nomination / expression-of-wish — non-testamentary transfer route (pending in the standard)
traced from the data this screen displays
PlannedPensions pass outside the will
ICP-0024 Nomination / expression-of-wish — non-testamentary transfer route (pending in the standard)
traced from the data this screen displays
Plannedpensions.death-benefit-nomination
ICP-0024 Nomination / expression-of-wish — non-testamentary transfer route (pending in the standard)
traced from the screen’s feature list
Supported nowHow a pension is classified
Comes from: record.assets_registry.1.asset_class
a field on the validated INHERIT v2 estate record
traced from the data this screen displays
Supported nowPension interests in the estate picture
Comes from: record.assets_registry.1.current_valuation
a field on the validated INHERIT v2 estate record
traced from the data this screen displays

The 30 change proposals this demo relies on

A change proposal (ICP) is a tracked request to extend the standard. These are the ones behind the “Planned” features across all 32 screens — and the few already adopted and built. Where the standard has a written proposal we show its status from the standard’s own record; where it does not, we say so rather than guess.

ICP-0001 · TT-657 — Port v1 consumer-estate surface into v2 (approved in the standard)
ICP-0002 · TT-658 — IHT 36% reduced charity rate (approved in the standard)
ICP-0006 · TT-663 — Marketplace & dealer model (tracked; no written proposal yet)
ICP-0007 · TT-664 — Valuation lifecycle enrichment (tracked; no written proposal yet)
ICP-0008 · TT-665 — Delegation, stewardship & marketplace integrity (tracked; no written proposal yet)
ICP-0013 · TT-672 — Condition grading (tracked; no written proposal yet)
ICP-0014 · TT-673 — Collector records bundle (tracked; no written proposal yet)
ICP-0015 · TT-674 — Legal-assurance model (pending in the standard)
ICP-0016 · TT-681 — Professional engagement & marketplace data model (approved in the standard)
ICP-0019 · TT-684 — Executor / personal-representative appointment & powers model (pending in the standard)
ICP-0020 · TT-685 — Distribution-logic primitives: survivorship, age-contingent, abatement, cy-près (pending in the standard)
ICP-0021 · TT-686 — Wishes, directives & plan-assessment primitives (pending in the standard)
ICP-0022 · TT-1029 — Post-death estate-administration & will-lifecycle domain (pending in the standard)
ICP-0024 · TT-1031 — Nomination / expression-of-wish — non-testamentary transfer route (pending in the standard)
ICP-0026 · TT-1033 — Free-text→structured multi-entity extraction (pending in the standard)
ICP-0027 · TT-1034 — Living-Monitoring change-event model (pending in the standard)
ICP-0028 · TT-1040 — Couple / mirror-vs-mutual wills modelling (pending in the standard)
ICP-0029 · TT-1068 — Insurance-cover model (pending in the standard)
ICP-0030 · TT-1069 — Catalogue item-import adapter (pending in the standard)
ICP-0033 · TT-1131 — Executor pre-death readiness facet (tracked; no written proposal yet)
ICP-0034 · TT-1132 — E&W IHT spouse exemption (tracked; no written proposal yet)
ICP-0044 · TT-1143 — Steward/authority-grant remuneration facet + paid-helper undue-influence safeguard (tracked; no written proposal yet)
ICP-0045 · TT-1014 — general Media/attachment primitive (tracked; no written proposal yet)
ICP-0046 · TT-1144 — Multi-opinion / consensus valuation shape (tracked; no written proposal yet)
ICP-0047 · TT-1145 — Compute faith fixed-shares (tracked; no written proposal yet)
ICP-0052 · TT-1172 — Funeral & farewell domain (tracked; no written proposal yet)
ICP-0054 · TT-1174 — Asset-side external-registry enrichment (tracked; no written proposal yet)
ICP-0055 · TT-1175 — Asset enrichment facets: maker/external-id (tracked; no written proposal yet)
ICP-0061 · TT-687 — Heir collaboration & asset-claim resolution (tracked; no written proposal yet)
ICP-0062 · TT-688 — Collections & asset disposition (tracked; no written proposal yet)

Checked against a pinned copy of the standard’s change-proposal register (69 proposals, standard at main@f63ca72e116d), and against the standard’s own record of what it has adopted (24 written proposals, 66 computed rules). Sample estate — demo data, no sign-up.