Unless you own over £312,000 in assets then inheritance tax is extremely unlikely to apply to you. This may be one for your parents rather than you. In which case either stop your parents from spending your inheritance or make sure they seek good inheritance tax planning advice, so the taxman does not take too much!
STS is not designed as a service for tax planning, but we will point you in the right direction.
If you need further information on inheritance tax advice and planning services then please contact our sponsors, pi accountants, with your requirements.