How it works
For example, any money that is held in a pension at the time of your death can sidestep your estate and get passed to your beneficiaries without IHT.
Of course, due to the pension freedoms act that £100,000 is still accessible, but unless you need it, outside of your estate. For this reason, the earlier you look at IHT planning the better.
However, there are clients that benefit from making early moves with their money. Moves that don’t really affect their lives, but that save IHT.