Estate planning

YouGov poll

Making trusts easier to understand

Could face questions from beneficiaries

Tax-deferred withdrawals of 5%

Pension accumulation can no longer be considered separately from protection and estate planning

'Coordinated advice is often required to ensure that family objectives can be met'

Advisers’ biggest concern is not understanding the pension IHT rules

'Focusing solely on reducing the pension before death can increase lifetime tax'

‘This has undoubtedly had a huge impact on planning for many clients’

'Further changes could be announced to pay for any shifts in policy'