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Financing the life plan 3. Marriage and children

IN the third instalment in Daniel James's series, we catch up with Nicola, our fictional veterinarian, who is facing some of the most dramatic changes she is likely to experience – both personally and financially.

Daniel James is an independent financial adviser at Lloyd & Whyte (Financial Services). In his capacity as director of business development he has helped to develop a range of services for BVA members.