{"id":346782,"date":"2026-03-25T09:11:15","date_gmt":"2026-03-25T09:11:15","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/346782\/"},"modified":"2026-03-25T09:11:15","modified_gmt":"2026-03-25T09:11:15","slug":"money-talks-securing-your-childs-financial-future-money-expert-cian-carolan-shares-his-playbook","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/346782\/","title":{"rendered":"Money Talks: Securing your child\u2019s financial future \u2013 money expert Cian Carolan shares his playbook"},"content":{"rendered":"<p><img decoding=\"async\" alt=\"The UK's ISA scheme allows you to invest up to \u00a320,000 a year tax-efficiently. Photo: Getty\" src=\"https:\/\/www.newsbeep.com\/nz\/wp-content\/uploads\/2026\/03\/5dd6296e-46ab-4492-8d21-f1358f36efa0.jpg\" loading=\"eager\" width=\"100%\" data-testid=\"article-image\"  \/><\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_caption1 indo-300db776_none indo-91174671_secondary indo-66f0fec7_regular indo-1d70522a_marginbottom0 indo-1d70522a_marginleft0 indo-1d70522a_marginright0 indo-1d70522a_margintop3 indo-b48c4984_left\" style=\"color:var(--color-grey-60)\">The UK&#8217;s ISA scheme allows you to invest up to \u00a320,000 a year tax-efficiently. Photo: Getty<\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_paragraph indo-300db776_none indo-91174671_primary indo-1d70522a_marginbottom0 indo-1d70522a_margintop0 indo-b48c4984_inherit\" style=\"color:var(--color-primary-80)\">For most parents, securing their child\u2019s future isn\u2019t just emotional, it\u2019s financial. From childcare and education to saving, investing and long-term planning, the decisions made when they\u2019re small can shape the opportunities open to them decades down the line.<\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_paragraph indo-300db776_none indo-91174671_primary indo-1d70522a_marginbottom5 indo-1d70522a_margintop0 indo-b48c4984_inherit\" style=\"color:var(--color-primary-80)\">That\u2019s something that Cian Carolan, managing director of DNG Financial Services (and father of three), is keenly aware of.<\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_paragraph indo-300db776_none indo-91174671_primary indo-1d70522a_marginbottom5 indo-1d70522a_margintop0 indo-b48c4984_inherit\" style=\"color:var(--color-primary-80)\">\u201cIn those early years, in a lot of cases, you\u2019re just doing what you can to get by and making sure you&#8217;re not going backwards,\u201d he says.<\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_paragraph indo-300db776_none indo-91174671_primary indo-1d70522a_marginbottom5 indo-1d70522a_margintop0 indo-b48c4984_inherit\" style=\"color:var(--color-primary-80)\">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?<\/p>\n","protected":false},"excerpt":{"rendered":"The UK&#8217;s ISA scheme allows you to invest up to \u00a320,000 a year tax-efficiently. Photo: Getty For most&hellip;\n","protected":false},"author":2,"featured_media":346783,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[138,246,52680,111,139,69,244,245],"class_list":["post-346782","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-money-talks-podcast","tag-new-zealand","tag-newzealand","tag-nz","tag-personal-finance","tag-personalfinance"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/346782","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=346782"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/346782\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/346783"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=346782"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=346782"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=346782"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}