Christmas is a time for giving.
But giving can be about much more than the latest computer games and pairs of socks. It can form a key part of your estate planning – the important task of keeping your inheritance tax liabilities to a minimum.
The growth in property prices has left many parents with a level of wealth they never expected, but it has meant losers as well as winners. The losers could be their children who despair of ever getting on the property ladder.