How to gift money while we wait for clarity on pensions and IHT

You don't need me to tell you that the current hot topic among many clients is pensions and inheritance tax (IHT) – and how the new system might work in practice. It's a tricky time for advisers, because clients are understandably anxious about the impact that bringing pensions into the IHT net will have on their retirement plans and offspring's finances. But at the same time, we don't have the final rules and don't know what the system will look like yet – so there's not much action that can be taken – at least not without a huge amount of guesswork involved.   But one thing adv...