Charitable gifting from pensions: Beating the post-75 double tax

Estate planning continues to be a central topic in client conversations — particularly with the upcoming changes to inheritance tax (IHT). From April 2027, pension death benefits will be included in the taxable value of an estate for IHT purposes, prompting many clients to reassess how best to pass on their wealth. For individuals with more funds than they are likely to need in their and their spouse's lifetime, discussions will naturally turn to gifting strategies. Alongside passing assets to children or other family members, some clients may also consider leaving gifts to charities clo...