inheritance taxBenjamin Franklin once famously said that the only two things that are certain in life are death and taxes. Unfortunately, in the case of inheritance tax, both can occur at the same time and have an equally devastating effect on your family.

However, despite what you might read in the press, inheritance tax (IHT) is actually a voluntary tax and with some careful planning it is possible to reduce or avoid it.

Inheritance Tax is affecting more people than ever

With the current IHT allowance set at £325,000 and the average UK property at £226,887 it’s not difficult to see how many households with some savings, life as