February 26, 2026

For many parents and grandparents, a Junior ISA feels like a brilliant idea in theory, but slightly nerve-wracking in practice. The tax advantages are clear. The long-term growth potential is powerful. The ability for family members to contribute is helpful. But then comes the big question: What happens when they turn 18? Will the money […]

Phoebe Mills joined Citrus Financial in January 2025, bringing more than four years’ experience in financial services. Having achieved her Diploma in Regulated Financial Planning in 2023, and previously worked as a pensions adviser, Phoebe now plays a key role behind the scenes supporting our advice team, while continuing her development towards becoming a financial