In our weekly series , readers can email any question about their finances, to be answered by our expert, Rosie Hooper. Rosie is a chartered financial planner at Quilter Cheviot and has worked in financial services for 25 years. If you have a question for her, email us at money@inews.co.uk

Question: I started paying into a work Save As You Earn (SAYE) share plan in 2020 which was a contribution of £300 per month for five years. The total amount I will have paid into the scheme is £18,000. I’m getting the shares for far less than they are worth – 84p vs £3.74 value – and will have a gain of £62,000. I want to transfer the shares into my stocks and shares ISA . Am I able to this? If not, how much can I place into the stocks and shares ISA. What the best advice to navigate paying cap

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