If you want to give your children and grandchildren a gift they will never forget, consider opening or topping up a pension for them. I know just how important the children and grandchildren of my clients are to them, and it’s only natural that they want to do something to help them financially. Although before investing for others, I believe you should secure your own financial position first, a theme I discuss in my book The Money Plan. There is nothing to stop parents and grandparents who