

QA40 - Listener Questions, Episode 40
In this episode we answer listener questions covering emergency funds for higher and additional rate taxpayers, and inheritance tax considerations around beneficiary SIPPs. We also discuss whether couples should rebalance pension contributions, the key steps to take before retiring abroad, and what to know about DB…

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What people are saying
“the 67% double tax gets thrown about a lot when discussing IHT forming part of the estate. But presumably its only taxed the second time on withdrawal? which would have been the case if the deceased was over 75 anyway? And many people fall…”
“If Mum has a full state pension plus an undisclosed DB and I'm assuming owning the house, she's done well to have multiple ISAs and SIPPs as a cherry on top, regardless of tax I think Steven should be golden 😂”
“Please could you do a specific video on IHT , Sipps and ISAs expanding on Stephen theme as I believe this will be a bigger issue for many in couple of years”
“How do you get a tax free sipp as mentioned many times in the 2nd answer.”
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