Ravinder Pal Singh BA (Hons), FCCA is managing director of RPS (Tax Consultants) Ltd and RPS (Probate Services) Ltd, and principal of Redfields & Co, Chartered Certified Accountants. He advises on inheritance tax, estate planning, probate and private client matters and is the author of Inheritance Tax: The Mistakes Families Make (And How To Avoid Them). He can be contacted by email: ravinder@ravisingh.co.uk or tel: 07980 840890.