Angus Simpson

Could you be more financially savvy this tax year?

March, and spring more generally, is often a time for fresh starts. And now your tax allowances are getting one too. The new tax year begins on 6 April, giving you time to plan how you’ll use all those new allowances to your advantage.

Take your ISA allowance. It can be tempting to leave it until the last minute to use it up. But, if you’re able to pay into it at the beginning of the year, you’re potentially getting a whole extra 12 months of time for your savings to grow.

A review right at the start of the tax year, or just before it, can also help us spot if there are any tax incentives you could use throughout the year.

You might be surprised just how many people don’t do this - and miss out on money that’s rightfully theirs. These tax incentives can be things like increasing your pension contributions or charitable giving to help offset your income tax.

I can also draw up a cashflow model to bring this to life. The model allows us to explore and compare different strategies and scenarios, so you can see the difference it will make to your long-term finances and goals.

If you want to find out more about the savvy financial strategies I could help you with this tax year, feel free to get in touch.

Tax treatment varies according to individual circumstances and is subject to change.

Stocks and Shares ISAs invest in corporate bonds, stocks and shares and other assets that fluctuate in value.

Tax Planning is not regulated by the Financial Conduct Authority.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. November 2025.

As a qualified Financial Adviser with the CII Diploma in Regulated Financial Planning (DipPFS), I work closely with clients to create bespoke financial plans that align with their goals, values, and life stages. My advice spans areas such as investment planning, pensions, protection, and tax efficiency - all delivered with a focus on building trust and long-term relationships.

Before becoming a financial adviser, I built my career in fund services, where I gained valuable experience working behind the scenes in areas involving pensions and investments. This background gave me a solid understanding of how the financial world works - knowledge I now use to break down complex topics and provide clear, practical advice. I enjoy helping clients feel confident and in control of their finances, no matter their starting point.

Outside of work, I’m passionate about the outdoors and am currently on a personal mission to climb all 282 Munros in Scotland. I also enjoy playing badminton and scuba diving, and I’m a certified Divemaster. I believe that, like any great adventure, successful financial planning starts with a clear map and the right guide.