Planning for
your children’s

Raising and supporting your children is arguably the most expensive thing you can experience in your lifetime, and it is pretty much never-ending – from birth and their formative years, through school and college, moving into adult years and beyond.

As a parent, naturally you’ll want the best for your children’s financial future and when you become a grandparent, how lovely it would be to offer your grandchildren some financial support. There are many stages and many ways in how we can help you achieve this.

How can we help?

Our Financial Planners will help guide you through all aspects of family financial planning to ensure you find the scenario which is right for you.

Investments can go down as well as up, you may not get back the original capital invested.

Junior ISAs

Setting up a Junior ISA (or JISA) is a great way to contribute towards a lump sum for your children or grandchildren.

Investment can be made into cash or stocks and shares, or a mix of both. Any proceeds from these savings are paid free of income and Capital Gains Tax.

When your child reaches 18, the JISA converts to a standard ISA and control can be passed to them.


There’s no time like the present to start planning for retirement – and setting up a pension for children gives them a fantastic head start.

Of course, by doing this you also benefit from tax incentives, with tax relief applied to your contributions. With the current minimum pension age at 55 (rising to 57 in 2028) this is of course a very long-term savings option, but a wonderful way to set your kids up for their later life.

School Fees

For many parents, access to the very best education usually means paying for their children to attend a private school. However, doing so can come with a substantial cost.

It is therefore important to start your planning early. Talk to us about how you can prepare for the expense of school fees, and we can advise on strategies for building a suitable savings pot in a tax-efficient manner.

Get in touch

Complete the form below and a member of our team will contact you.


Please tick the following box to confirm that you agree to Radiant Financial Planning Limited holding and using your data to contact you.

3 + 8 =