According to the article from FT Adviser linked below, which is based on research by Scottish Widows, nearly half of IFAs are recommending clients move money out of pensions now as part of an IHT-planning strategy. My (genuine) question is ... why? If a client died between now and 6th April 2027 the fund value is likely to be tax-free if under 75 (I know that's a generalisation, but you hopefully get the point). If their adviser has recommended they withdraw funds that are surplus to requirements, be that PCLS or additional income that isn't spent (i.e. not gifted), then surely they could be liable to challenge by the family. I get the argument that you start the '7-year clock' earlier if it's gifted, but that's still a big risk. Or am I missing something? https://www.ftadviser.com/content/741ed722-180a-4b1a-8994-a838f1e62f93

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The new ISA rules as announced in last week's Budget are still to be formalised in legislation, and we have 16 months' to get used to them. I've seen a lot of commentary around how cash held in other forms of ISA will be treated, but until an email this morning from ThreeSixty I wasn't aware that the plan is to ban/stop transfers from stocks & shares and Innovative Finance ISAs. Was anyone else aware of this, as this is arguably as big a change as the £12k and age 65 limitations?

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🚨 Is there a planning opportunity here for advisers? I’m not an IHT specialist, but I thought this might be worth flagging. The new Labour government has confirmed changes to Inheritance Tax on farming property. From April 2026, 100% APR and BPR will only apply to the first £1m of combined agricultural and business property. Anything above that will attract 50% relief – leaving a 20% IHT charge on the excess. No quick fixes, and the accountancy firms are already sounding the alarm – especially around lifetime transfers, gifts with reservation, and control/income implications. Might this open the door for advisers to add real value? Curious to hear your take.