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Money Made Easy 2015-16: The complete guide to making and saving money for the whole family by Laura Whitcombe, Mark King

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Looking to the future

One of many people’s great fears is that they will leave their children in financial difficulty or, worse, that their death will create a financial problem for their family. This is why, as uncomfortable as it may feel to broach the subject, you need to start thinking about inheritance and how you can ensure as much of it as possible is handed down to your loved ones.

Of course, tax planning is a highly complex subject, so by all means use what follows as a primer but seek tax advice from a qualified specialist before making any big financial decisions.

Inheritance tax

Inheritance tax (IHT) is a tax on the money or possessions you have accumulated in your lifetime and leave behind when you die, as well as on some gifts ...

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