As I wrote recently, there's plenty you can do before the tax year ends at midnight on April 5, if you act fast. Along with the tax planning steps I highlighted in that article, most of us also have a secret weapon.... Second, money grows free of tax until you start making withdrawals. Third, you can take 25% of your pot as tax-free cash, though income tax is charged on the remainder. Pension savers who die before 75 can pass on unused pots free of income tax.... Thereafter, beneficiaries pay