Hi
With utmost respect (and don’t want to be confrontational nor cause offence) you may not be correct re the pension stuff (ie Sipp).
Pensions in general (a few odd exceptions exist) are normally out of one’s estate as they are held in a Trust (you indicate via a nomination of beneficiary form who gets the fund on death whether deceased pre or post retirement eg in FAD) so are not assessed for IHT purposes. There are different tax treatments for beneficiaries, on withdrawal, if inherited pre or post 75. I won’t go into the trust arrangements for pensions as gets more complicated/confusing. I’m not referring to Final Salary/DB schemes, only what are known as DC (defined contribution) schemes.
If I misunderstood your post I sincerely apologise and please note this not advice (see your regulated and authorised IFA) but pensions are frequently a bloomin’ brilliant way of doing estate planning and passing wealth onwards on death…
Kind regards
HB

Last edited by HeadlessBlue; 16/11/21 07:15 PM. Reason: Clarity
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