As a parent or grandparent, securing your (grand)children’s financial future is paramount. Our tailored wealth management solutions will create lasting financial legacies through strategic planning and tax-efficient investment vehicles to help secure your little one’s tomorrow.
Important: Children’s future
The value of investments and the income from them can fall as well as rise and investors may not get back the full amount invested. Past performance is not a guide to the future and any investment does not have a capital or return guarantee. Pension and tax rules apply and it is important to remember the rules can change. Any investment decisions should be made after receiving professional advice.
Contact us today to speak to one of our advisers about how we can protect your child’s financial future.
From university to weddings, your children's life moments require careful financial planning in today's complex economic environment.
When considering your child’s financial future, two key options stand out:
• Junior Individual Savings Account (JISA): Ideal for building funds for adulthood
• Childhood pension (Junior SIPP): Perfect for long-term retirement planning
Capital at risk. Pension and ISA rules apply.
At Mattioli Woods, we understand that building your family’s future starts with clear goals and expert guidance. Through our investment solutions and tax-efficient planning, we work with you to build the financial foundations your children need.
• £9,000 annual contributions allowance
• Tax-free growth and interest
• Ownership can pass to the child at age 16 but cannot withdraw until they are 18
• At age 18, the JISA is converted into an adult ISA and may continue to be invested
• Tax-efficient way to build long-term wealth
• Government tax relief of up to 20%
• Funds are accessible once the child reaches retirement age, currently age 55 rising to 57 in 2028
• Family members can contribute
All our clients are provided with a dedicated consultant and client relationship manager, meaning your children will benefit from a bespoke consultancy-led approach.
If you’re new to Mattioli Woods, book an initial FREE consultation to discuss your goals for your children’s financial future.
No, the funds are locked until your child turns 18. This ensures the money is preserved for their future.
The account automatically converts into an adult ISA, giving your child full control of the funds.
You can have both types, but the combined contributions cannot exceed the annual allowance of £9,000.
For a short period, if your children were born between 6 April 2006 and 5 April 2008, they can open and pay up to £20,000 per annum into an adult cash ISA (but not an adult stocks & shares ISA) on top of the £9,000 per annum allowance into their Junior ISA.
Starting early maximises the power of compound growth. Even small contributions can grow significantly over 50+ years.
No, pension rules apply as normal. Currently, access is not permitted before age 55 (increasing to 57 in April 2028).
Contributions receive 20% tax relief automatically, even though children don’t pay tax. Therefore, a £2,880 contribution becomes £3,600 with tax relief.
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At our core, our focus is entirely on you – our esteemed clients. With our exceptional wealth management and employee benefits services, you can experience the true essence of peace of mind.
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