In this Hive Talks episode, Ross and Dan unpack the upcoming changes to inheritance tax (IHT) on pensions, which could see beneficiaries facing combined IHT and income tax charges of up to 67%. They highlight the grey area between financial and tax advice, stressing the need for joined-up, proactive planning. While some may be tempted to withdraw pension funds early, Ross urges caution; rules may still change before the planned 2027 implementation. The key takeaway is to be proactive, seek expert advice now to safeguard your wealth and minimise future tax burdens.