I want to help my children

From giving them a head start to teaching financial confidence — here’s how you can support their future wisely.

As a parent, your instinct is to protect and support your children. That often includes helping them financially — whether it’s saving for their education, helping them onto the property ladder, or simply ensuring they start adulthood with strong foundations.

The good news is there are effective ways to help them now, while still keeping your own long-term financial goals on track.

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The value of investments can fall as well as rise and you may not get back the amount originally invested.

Worried about giving your kids the best start?

I want to help with university or their first home

Education and property costs are rising fast — I’m not sure where to begin.

I’m worried about giving too much too early

I want to help, but I don’t want to put my own future at risk.

I want to teach them good financial habits

It’s not just about giving — I want them to learn how to manage and grow money.

Helping your children financially can be one of the most rewarding parts of building your own stability — but it comes with its own set of challenges and decisions.

Whether you're thinking about gifting money, investing for them, or using trusts, we can help you do it in a way that’s tax-efficient, secure, and aligned with your overall goals.

Options might include:

Junior ISAs or Lifetime ISAs for long-term savings
Gifting money strategically, using annual allowances or longer-term gift exemptions
Trusts to retain control over how and when money is used
Investing in their name or creating intergenerational wealth structures
Teaching them money management and involving them in financial conversations

We’ll help you strike the balance — giving them confidence and opportunity, without compromising your own future.

You can help them without hurting your own future

How much money can I give my child without paying tax?

You can give up to £3,000 per year tax-free (plus carry over one unused year), and larger gifts may be exempt after 7 years.

Can I buy a property for them or help with a deposit?

Yes — and we’ll help you structure it in a way that’s fair, legal, and tax-efficient.

What’s the best savings account for children?

It depends on the goal. Junior ISAs are tax-free and locked until age 18. Bare trusts offer more flexibility but fewer controls.

Should I involve them in financial planning?

If they’re old enough, absolutely. Teaching them the value of money is just as powerful as giving it.

Step 1.

Let’s talk about your goals
What kind of support do you want to offer — and what concerns do you have?

Step 2.

Explore your options
We’ll look at gifting, investing, or saving tools — and the tax and timing implications of each.

Step 3.

Build a family strategy
Together, we’ll create a structured plan that helps your children now or later — without compromising your financial future.

Step 4.

Support as they grow
We’ll help you update the plan as your family’s needs change and your children grow into adulthood.