Family & Education Financial Planning

Rising education costs, complex wealth decisions, and the pressure to secure your family’s future often leave parents feeling anxious, overwhelmed, or unsure where to turn. Family financial planning brings clarity and confidence, helping you preserve wealth, fund education, and create a legacy without sacrificing today’s peace of mind.

Their Tomorrow Depends On How You Prepare Today

From the moment a child is born, their future begins to unfold. What that future holds often hinges on the financial choices made along the way. Rising education costs, uncertain markets, and the challenge of preserving family wealth can make even the most dedicated parents feel anxious about what lies ahead. Without a plan, it isn’t just money at risk, but the opportunities, security, and stability you want for your children.

Family financial planning gives you the clarity and confidence to change that story. Whether it’s funding private school, saving for university, or safeguarding wealth across generations, we help you prepare for the costs, protect what you’ve built, and ensure your family’s potential is supported at every stage. With the right plan in place, tomorrow becomes less uncertain and full of possibility.

Education Funding Strategies

Education financial planning begins long before the first school bill arrives. We help families prepare for private school financial planning, saving for university in the UK or abroad, and structuring education savings accounts or trusts. With strategies tailored to your circumstances, we make sure the best way to save for university fees or fund international study is efficient, sustainable, and aligned with your wider family financial planning goals.

Wealth Preservation for Families

Family wealth management is about more than growth — it’s about preservation. Our family financial advisors design plans that protect savings against inflation, volatility, and unexpected life changes. From student financial planning to preserving family wealth across generations, we ensure assets remain resilient, accessible, and aligned with the security your family depends on.

Intergenerational Wealth Planning

Intergenerational wealth planning is essential for creating stability across generations. We help you structure family wealth planning through trusts, tax-efficient transfers, and estate planning for families with children. Whether through multigenerational financial planning or cross-border inheritance strategies, our focus is on preserving family wealth while ensuring a smooth, conflict-free transfer of assets.

Family Governance & Succession

A strong succession plan ensures wealth continues to serve the family, not divide it. We guide HNW and UHNW families in creating governance structures, family charters, and succession strategies that uphold shared values. From family financial management to long-term succession, we help establish clarity and continuity so wealth management for families is sustainable for decades to come.

Advisory for HNW and UHNW Families

Significant wealth brings added complexity. We support high-net-worth and ultra-high-net-worth family wealth management with strategies that protect against legal exposure, reputational risk, and the challenges of illiquid or cross-border assets. From UHNW legacy planning to bespoke family investment planning, we ensure your wealth grows with purpose while safeguarding the legacy you intend to pass on.

Specialist Support for Global Families

Globally mobile families face unique pressures around wealth and education. Our cross-border education financial planning expertise ensures funding for children’s education abroad is tax-efficient and properly structured. From education funding for expats to managing multi-jurisdictional assets, we integrate family financial planning services that adapt wherever life leads.

Security and Opportunity for Your Family’s Future

Every family’s needs look different, which is why the right plan brings together education funding, wealth preservation, and long-term legacy strategies. These are the areas where we help families gain clarity, structure, and confidence.

For Families, Parents, and Future Generations

Our clients see family financial planning as more than balancing accounts. It’s about protecting wealth so it funds education, nurtures opportunities, and preserves security for the people who matter most.

Reduce inheritance tax and protect family wealth with expert inheritance planning. Tailored wealth transfer strategies for families, expats and business owners.

Parents preparing for school and university costs

Reduce inheritance tax and protect family wealth with expert inheritance planning. Tailored wealth transfer strategies for families, expats and business owners.

Families preserving savings and lifestyles through uncertainty

Reduce inheritance tax and protect family wealth with expert inheritance planning. Tailored wealth transfer strategies for families, expats and business owners.

Grandparents supporting education for future generations

Reduce inheritance tax and protect family wealth with expert inheritance planning. Tailored wealth transfer strategies for families, expats and business owners.

HNW and UHNW households managing complex family wealth

Reduce inheritance tax and protect family wealth with expert inheritance planning. Tailored wealth transfer strategies for families, expats and business owners.

Globally mobile families navigating cross-border education and assets

Your Family. Their Education. Every Generation.

Family financial planning is about more than balancing today’s needs. It provides the stability to meet rising school and university costs, preserve family wealth against inflation, and ensure that opportunities are not lost when life takes an unexpected turn. Without a clear strategy, education can become a financial burden, wealth can be eroded too quickly, and the legacy you intend to pass on can be left uncertain.Our approach to family and education financial planning brings structure and confidence. We help parents and grandparents prepare for education at every stage, protect family wealth so lifestyles remain secure, and create plans that transfer assets across generations with clarity and care. For high-net-worth and globally mobile families, we address the added complexities of cross-border education costs and multi-jurisdictional wealth, ensuring every decision supports both today’s security and tomorrow’s opportunities.The result is a plan that adapts as life changes, keeps education within reach, and preserves family wealth so futures remain secure across generations.

FAQs

Every family has different questions when it comes to planning for education and preserving wealth. These are some of the most common concerns parents, grandparents, and globally mobile families raise when thinking about how to secure their children’s future.

Education financial planning works best when it starts early. From the moment a child is born, family financial planning can help set aside dedicated funds that grow steadily over time. Even small contributions to education savings accounts, trusts, or family investment planning strategies can compound significantly by the time university or private school costs arise. Early planning also provides flexibility, making it easier to balance education savings with other goals such as family wealth preservation, retirement, and estate planning for families with children.

The right amount depends on the path you envision for your children, whether that’s private schooling, university in your home country, or international study abroad. Family financial advisors often recommend saving consistently from early childhood to spread costs and reduce reliance on borrowing later. Our family wealth planning approach looks at your wider financial picture, including preserving family wealth against inflation and aligning education costs with your broader family financial management strategy. By tailoring the plan, we ensure education is funded without compromising lifestyle security or long-term intergenerational wealth planning.

For globally mobile families and expats, education funding can be complex. Cross-border education financial planning ensures that school fees and university costs are structured correctly in multiple jurisdictions. Options may include education savings accounts, international trusts, or tax-efficient investment strategies that support student financial planning across borders. Whether you’re based in one country or relocating often, our family financial planning services provide clarity, so education funding remains stable and compliant wherever life leads.

One of the biggest challenges for parents and grandparents is balancing education costs with retirement planning, lifestyle needs, and wealth preservation. Without a clear plan, family wealth can be eroded too quickly, or one priority may overshadow another. Family financial planning and family financial management bring these goals together into a single strategy, ensuring that education funding, lifestyle protection, and long-term family wealth management all move in the same direction. By aligning investments, tax planning, and intergenerational financial planning, you can secure education for children without putting your own future at risk.

Intergenerational wealth planning is central to family financial planning. Without a structured approach, inheritance can be eroded by tax, family disputes, or poor structuring. We help families design estate planning strategies that protect wealth for children and grandchildren, combining family governance and succession planning with tax efficiency and estate planning education. This ensures assets are preserved, transferred fairly, and aligned with your values. Whether through intergenerational estate planning, family wealth preservation, or legacy planning for UHNW families, the goal is to keep wealth working for every generation.

HNW and UHNW family wealth management brings added complexity. Multiple jurisdictions, large estates, trusts, and reputational risks all require careful planning. Education financial planning for UHNW families often involves dedicated wealth preservation portfolios and strategies to protect high-value assets while ensuring education remains fully funded. Legacy planning for UHNW families goes beyond covering fees—it involves safeguarding intergenerational wealth, managing governance structures, and creating succession strategies that reflect both values and responsibilities. With the right family financial advisor, education and legacy can be planned together, ensuring stability at scale.

Family and education financial planning should be reviewed regularly, particularly when life changes. The arrival of new children, career moves, relocations, or health events can all impact your plan. Intergenerational financial planning also requires updates as children grow and family circumstances evolve. A regular review with your family wealth advisor ensures that education savings, family wealth management, and succession plans remain aligned. For globally mobile families, this also means reviewing cross-border education funding strategies to ensure they continue to meet compliance and efficiency requirements. Frequent updates keep your family’s financial plan resilient, adaptive, and true to your goals.

Protect What Matters Most

Speak with an experienced family financial adviser about education and wealth planning that protects savings, funds school and university costs, and preserves family security through every stage of life.

Forest Wealth