Yes they are. We both have Isa's and my daughter has a significant amount of savings which also may create potential problems in the future when I wish to organize a care package for her through social services. Is there any way I can legally disperse her money so as to maintain her finances below the £15,000 threshold? Seems unfair due to having a disability she attains benefits from the Government, plus careful investments I have made on her behalf to help her in the future,and an inheritance,that she will be penalised. With the impending divorce it does concern me that it's misconstrued I have too many Isa accounts due to my name on her accounts.