In our weekly series , readers can email any question about their finances, to be answered by our expert, Rosie Hooper. Rosie is a chartered financial planner at Quilter Cheviot Financial Planning and has worked in financial services for 25 years. If you have a question for her, email us at money@inews.co.uk .

Question: I would like to treat my 14-strong family to a luxury holiday together to celebrate a year of special birthdays. If I pay for them all, do I have to keep a record of those payment as gifts? If I fail to survive for seven years after, will those gifts be subject to inheritance tax or can I just choose to spend my own money in the way I want?

Answer: There are few better ways to use your wealth than by bringing the people you love together.

Paying for a big fa

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