Have you thought about your kid’s inheritance? £2.8 trillion pounds needs to move from one generation to the next. It’s a challenge we’ve never had to deal with before, with more people turning 65 every year for the next decade than ever before.

Thinking about retirement, legacy, leaving money to your children is something you need to think through to avoid unintended consequences. Too few families get together to discuss parent assets and what happens when they’re gone, what if children get divorced, how does it get split. Can often have disproportionate impact on next generation unless consequences are thought through.

Getting the whole family together eg tax you pay, where sit, access and how invested, what impact you want to have is crucial. W