Our children were small when we had to leave them to travel abroad to the funeral of a close friend. This made us think: ‘what would happen if we both died?’ We had a solicitor draw up our wills because there was property involved and the complexity of inheritance tax to be sorted. We appointed guardians for the children to live with and to manage finances until they reached 18. We’ve left everything to each other, and then to our children. We’ve talked about the wills to them and especially about the difficulties that can arise around inheritance, and how they can manage without greed or hatred coming between them.