@susieq
the other benefit is that you can talk to the broker on the phone about the other accounts ......... cos if you happen to let slip to them somehow that the accounts are being used by peeps that are not authorised to do so, then they will freeze the accounts and then you are stuffed for a while till sorted.
Way better, and really easy, to do the authority thing (if the marriage is good of course....in fact if a little shaky then maybe an even better reason to do the link ......joke joyce, but funny cos it is true )
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