Christian Farah

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.

I am a dedicated and driven financial adviser based in Bournemouth, deeply passionate about helping my clients achieve their financial goals. With valuable experience in the financial services industry, I take pride in providing clients with insightful guidance on their current financial arrangements. I carefully assess each client's unique financial situation and develop tailored strategies to help them attain their long-term objectives.

My approach is straightforward, ensuring that I am easily understood without resorting to financial jargon. This empowers my clients to make informed decisions with confidence. My unwavering commitment to my clients' financial well-being and my dedication to continuous professional development drive me to build long-lasting relationships based on trust and transparency. With knowledgeable advice and sincere guidance, I aim to help individuals and families secure their financial futures and achieve their dreams.

Outside of my professional life, I am a firm believer in maintaining a healthy lifestyle. I dedicate time to staying fit and active, regularly engaging in activities such as playing basketball and running along the beautiful Bournemouth coastline. As someone who loves embracing new experiences, I am always seeking out new adventures, whether it's skydiving, competing in triathlons, or stepping on stage.