The UK’s ISA scheme allows you to invest up to £20,000 a year tax-efficiently. Photo: Getty
For most parents, securing their child’s future isn’t just emotional, it’s financial. From childcare and education to saving, investing and long-term planning, the decisions made when they’re small can shape the opportunities open to them decades down the line.
That’s something that Cian Carolan, managing director of DNG Financial Services (and father of three), is keenly aware of.
“In those early years, in a lot of cases, you’re just doing what you can to get by and making sure you’re not going backwards,” he says.
But with rising living costs and ongoing economic uncertainty, how do you balance providing for today with preparing for tomorrow? Which financial choices actually make a difference? And how can you help your children make good decisions in future?