How married couples can make the most of their inheritance tax allowances

When it comes to making the most of inheritance tax allowances as a married couple, the first conversation is not with your adviser.

It is with each other.

There are allowances available to married couples that many families never fully use.

Not because they are complicated.

But because using them almost always means doing something that makes your estate smaller today in order to create a bigger benefit for the people you love tomorrow.

And both partners need to be genuinely comfortable with that.

Not just in principle, but in practice.

That alignment between husband and wife, making sure you are both on the same page before any planning begins, is usually where the most effective estate planning starts.