Thanks for the welcome!
Yep, it was taking the DC funds into the IHT calculation which made me think "better off using it than losing it". I'd originally planned leaving a DC pension pot that would have been IHT free, but once that benefit got removed, well, let me see ... "do I want to lose 40% of it in tax or take out 25% tax free and use that to buy a Morgan"
Best,
Steve
