11.4.4 Complex estates

If you have a complicated estate, there are other ways to reduce the costs of passing on money and property. These include:

• transferring your property to joint ownership with the person you intend to leave it to
• setting up a trust fund.

These are often complex arrangements, subject to specific rules. To be sure that your intentions are clear and will be carried out correctly, get expert advice. This will ensure that your loved ones don't have to spend money later sorting out your wishes.