The introduction of transferable nil rate bands between married couples and civil partners would seem to have taken away a huge burden for many people when organising their estate planning. So much so that many couples feel that they no longer have to take advice in this area as they believe that the nil rate band will transfer automatically on first death. However, if you look a little deeper you can see that this is certainly not the case and if anything couples need even more guidance to ensure the transfer goes smoothly. The reasons for this are many. Firstly, couples will continue ...
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