None of us are! And at some point we have to start considering that taboo subject of potential inheritance Tax liability on our estates.

Very broadly speaking, there is nil rate band on net value up to £325,000 per person. The rate thereafter is 40%.

A married couple can expect to automatically share twice that limit, with the problems really starting after the second death for joint estates worth more than £650,000.

There is also something called Business Property Relief to exempt 100% of business assets potentially.

Ask us for more details.