Retirement Evolution Series: Estate Planning Reimagined: Act Now Before Pensions Face Heavier Tax

This episode explains how recent legislative changes have brought pensions into the inheritance tax (IHT) spotlight and why estate planning must be treated as active financial decisions made during life rather than a morbid conversation about death.

Les Cameron and Kimberley Dondo cover immediate red flags for advisers, core IHT planning options (spend, insure, reliefs, gifting and trusts), practical steps for pension-driven liabilities, and the risks of delaying planning—emphasising early action, control, and tailored solutions.