Rubic, very helpful. similar situation here.
for successful uni entry I gifted, for successful graduation, I giftedd in cash, f or graduation I gifted max cash under US law. Only "suggestion was to "invest in yourself, in any way you like. 3 did a masters, 2 travelled for extended periods, 1 still has the cash...

now they are at the 'getting married stages or probably will in the next few years, thats why gifting is again on my mind, to help get a step on the housing ladder. I was hoping to wait until I had french residence to think about this, but although my downtown condo is under offer, the rest is proving more difficult .

I like your idea of gifting shares from taxable account direct to them. My estate will all go to my siblings as I know they will do right by their children, I have zero doubt on that score.Happily.

gifting actual shares in the manner you suggest seems to work on all sides.. all nieces and nephews are subject to UK taxes, and the cap gains there , should they sell are only 15% at the moment.but may rise... I need to look in to gifting shares administration. One nephew ( who I mentor, he's ther only 1 interetsted)) has a Vanguard account and is buying BRKB when he has money (and some tech stocks). The others are learning from him a bit.

any other wise thoughts ?