Dan Gayle

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 have over 10 years of experience in the financial industry, including 5 years as an Investment Analyst & Portfolio Manager with HSBC, where I co-managed $500m of private client money across multi-asset portfolios (equities, bonds, hedge funds, property, commodities).

I also have extensive experience as a business coach & consultant, where I built strong connections with my clients and helped them to better understand their challenges, and then to execute strategies to overcome them and achieve the goals and aspirations most important to them.

The area of finances is a difficult one for many, and for a number of different reasons. My aim is to not only be your source of knowledge and support with your personal financial matters, but also to be a pillar of support throughout your life. Together, we will work to ensure you are protected from financial risks in life and put you in the best position to achieve the goals most meaningful to you. I can build a cash-flow forecast model which will help to keep you on track both now and in the future, allowing us to make adjustments to your plan as circumstances change as they invariably do. I will help to give you peace of mind, knowing that your personalised financial plan is in place, enabling you to make informed decisions and enjoy life with less worry about finances.

In my personal life I like to be active, going on walks in nature, and playing tennis, golf, and basketball. I love to spend time with my family, and our young twin boys and little doggie definitely keep us entertained. I really enjoy producing music and find it very meditative. I am also fascinated by psychology and personal development.