Rachel Vahey

'The secret is giving people the right information at the right time'

What can we expect to see for pensions next year?

'It's a great pity HMRC couldn't have been a bit braver and taken the sensible approach'

Concerns raised about meeting the six-month deadline

Inviting responses on how the reforms will work in practice

Budget speech set for 26 November

Increase in state pension age from 66 to 67 is scheduled for between 2026 and 2028

Unused pension funds will fall under IHT scope from April 2027

‘LISAs only add to the already fragmented and complex ISA regime’

Most advisers recommending early pension access and gifting