Old dog,
Always take proper advice, but you are absolutely (regretably) right. Hence the need to consider at least, a personal pension for the wife/husband/girlfriend/boyfriend/cat/dog. Anything to use up their personal annual tax allowance and not just yours. Its all very well, an alpha male banging flying pay like mad into an AVC (for instance) if he then gets taxed to hell and back on the subsequent larger income in retirement - especially when his wife has not had any pension/savings/investments in her name for the past 30 years or so.
Offshore Bonds too; although investment vehicles and subject to risk offer income which is not classified as income, rather, return of capital (up to 5% of Bond value pa is allowable, free of tax). They used to be the preserve of the very rich - now though, more an invaluable weapon in the relentless fight against George Osborne and the ginger rodent. Offshore Bonds; also potentially very useful for planning for a child's education, as you can allocate a nominee (the young adult in education) segments of the Bond each year, which they can then receive without a tax liability (limits apply) and which can go towards an education/food/housing/weed/beer/pizza etc.