This session explores the flexibility of pensions and ISAs as financial “wrappers” for retirement, emphasising the importance of personalised planning amidst ever-changing government rules. Key strategies for inheritance tax (IHT) planning are discussed, including the use of pensions to fund whole-of-life plans, gifting, trusts, and will adjustments. Whether advising affluent clients or those reliant on pensions, the speaker highlights the need for a holistic approach to effectively manage IHT challenges.