ISAs

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15. Where to find an IFA

Several professional and trade bodies have directories which allow you to search for the right type of independent adviser by area, qualification, specialisation and fee rate:

• The Association of Private Client Investment Managers and Stockbrokers. Many of APCIMs' members provide a full financial planning service. www.apcims.co.uk
• The Society of Financial Advisers Use the 'Find an Adviser' service on www.sofa.org.
• The Institute of Financial Planning A multi-disciplinary organisation with a register of fee based planners. www.financialplanning.org.uk
• The Institute of Chartered Accountants in England & Wales: Many accountants offer a full financial planning service: www.icaew.co.uk.
• Solicitors for Independent Financial Advice (SIFA) An interactive consumer site is available on www.sifa.co.uk.
• The Association of Solicitor Investment Managers (ASIM): www.asim.org.uk. Phone for the directory on 01892 870065.
• Local independent firms: For a list of local independent advisers, contact IFA Promotion on www.unbiased.co.uk. For fee based independent advisers contact the Money Management Register on 0870 013 1925.

1. What is an ISA? 2. Who can take out an ISA? 3. ISA investments: the 'Components' 4. The different kinds of ISA: Maxi, Mini and Tessa-only 5. How many ISAs can you have? 6. How much can you put in an ISA? 7. Maxi or Mini? 8. Tax rules on ISAs 9. Practical significance of ISA tax rules 10. Cash ISAs 11. Stocks & Shares ISAs 12. Choosing an ISA fund 13. Buying an ISA 14. Charges and CAT standards 15. Where to find an IFA 16. Switching ISA investments 17. Transferring shares into an ISA 18. Withdrawing funds from an ISA 19. Conclusion

• Fear and Loathing in My Bank Account