Wealth Check: Adopt a plan for the new family's future

A huge challenge is about to enter Ulrike Balser's life. She has been approved as an adoptive parent by Essex social services and expects to start caring for two children in six months. "I've always liked children and I'm really looking forward to this," the former teacher says. "But I realise how difficult it will be. They will be between three and seven and they are likely to be carrying a considerable emotional burden."