Monthly Archives: December 2015

Autumn Statement Highlights for Financial Planners

The key changes from the autumn statement in relation to pensions, savings and investment, property taxation, estate planning and tax avoidance.

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IHT and pensions

Generally speaking, IHT is not an issue for pension arrangements. The pension fund is not in the estate of the member and the relevant property regime doesn’t apply.

There could, however, be the potential of an IHT liability resulting from a single contribution or scheme transfer made within two years of death by an individual who knew they were in serious ill health when they made the transfer.

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Pension Death Benefits: Nominees and successor’s drawdown

 

The rules on who can receive nominees and successor drawdown and who can specify who receives what death benefits are overly (and arguably unjustifiably) prescriptive .

It’s important for advisers to “hardwire” a review of the member’s expression of wish into the yearly financial review.

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