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 is the author of Inheritance Tax: The Mistakes Families Make (And How To Avoid Them) and Protecting Family Wealth: How to Protect Your Estate, Reduce Inheritance Tax and Pass More to Your Family.