You Don’t Want to Ask Them to Sell the House!

Many parents want to help their children financially. A deposit for their first home, support with wedding costs, or simply giving them a good start in life.

These are all great things to be able to do, but there’s a crucial question that often gets overlooked:

Can you afford to help your kids without putting your own financial future at risk?

This isn’t about being selfish. It’s about making sure you're going to be ok too.

I often hear clients say, “We want to give them a good start.” And I agree. That’s a brilliant thing to be able to do.

But here’s the reality: if you give it to them, it’s very difficult to ask for it back. Especially if they’ve gone and bought a house with the money you gave them!

That’s why planning comes first.

Why Your Financial Plan Matters

A good financial plan gives you a clear picture of what you can afford to gift, both now and in the future, without compromising your retirement or long-term security.

We look at your income, assets and goals and ask:

• What do you want your future to look like?

• What big life events do you want to help your children with?

• And most importantly, how do those gifts impact your ability to live the life you want?

  
  

With this clarity, you can give with confidence, knowing your own needs are taken care of.

Peace of Mind for Everyone

When clients see the numbers mapped out, they often feel a huge sense of relief.

What felt like a risky decision suddenly becomes a well-informed one. You know what’s affordable, what works, and what you can’t afford to do.

You’re not saying “no” to helping your children. You’re saying “yes” in a way that works for everyone involved.

And that’s exactly what a financial plan is for.

The Financial Conduct Authority does not regulate Cashflow Planning.

This blog is for information purposes and does not constitute financial advice, which should be based on your individual circumstances.