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Heather Rogers is This is Money’s resident tax expert. And the founder and owner of Aston Accountancy has fielded all manner of questions over the past year.

Keeping sales receipts on holiday, giving away assets to avoid care fees, getting stung with a tax bill in a divorce, and many more topics have been covered.

Keep your tax questions coming, by scrolling down to find out Heather’s contact details. And read about three of her top columns from 2023 here.

I am 85 and still running the family firm, but should I hand over to my sons now?

An octogenarian still working as senior partner in a family firm wrote to Heather about the best way to manage succession to her two sons and minimise any inheritance tax bill.

She wanted to know if she should be transferring her shares in the business to them now.

‘I am loath to do this if not absolutely necessary as it will make this poor old lady feel redundant!’ she told Heather.

Luckily, there is inheritance tax relief designed to help family businesses in this kind of situation. Heather explained the details to give our hard working reader some peace of mind.

How do I cut my troublesome sister-in-law out of any inheritance from my 95-year-old grandmother?

It is not unusual for readers to consult Heather about family problems. The grandmother in this case planned to split her estate equally between her two grandchildren, but one had a marriage described as ‘rocky’.

‘To avoid in the future potentially his wife being entitled to some of this inheritance we have discussed the option of my grandmother leaving 100 per cent to myself,’ our reader wrote to Heather.

‘My brother and I have a very good and close relationship. This would keep the money safely under my control. I would then when the time is right use the money to provide things for my brother such as a car, holiday and so on.’

The reader was concerned though about the tax implications of spending potentially large amounts on ‘gifts’ for their brother.

Heather ran through the options open to this family, but warned there was no way of completely guaranteeing protection of a future inheritance in this scenario.

I moved to Australia to avoid inheritance tax… but will my estate definitely escape death duty?

Many people want to avoid inheritance tax but not many move to the other side of the Earth to do it.

Our reader admitted the sunshine the beautiful country of Australia enjoys was another important reason why he emigrated in 2005.

‘Whilst I am not wealthy, my estate is likely to exceed the current UK inheritance tax threshold,’ he wrote.

‘Australia, being a far more enlightened country, does not have this death tax – pay during your lifetime and get clobbered again when you die.’

Heather explained that how your estate is taxed depends not only on your residency but on your domicile, how these work in general, and their bearing on this case.

Please note that the information box by This is Money in this column about how inherited pensions are taxed in the UK is now superseded by news in the recent Autumn Statement.

The Chancellor has dropped plans for tighter tax rules for pensions inherited from people who die aged under 75.