David Sillars

Often the real reason for doing nothing is because it's actually a bit scary thinking about these things and it's confusing knowing where to begin. It doesn't need to be like that. Resolving to make a plan won’t just provide huge benefits to your future self, it will have an immediate impact now. You’ll find you become less stressed when thinking about money, you’ll gain greater peace of mind and probably sleep better at night. I see this happen a lot. This is where I can help and provide a lot of the heavy lifting.

I'm not here to talk at you, I'm here to listen, understand and help. Offering advice is only part of the story. Guidance and support in a long-term relationship based on trust ensures the plan stays on track when life events knock you off course. And they will. I'm a dad with all the life experiences that brings along with 25 years in financial services. I leave financial jargon at the door and my client meetings are always relaxed. I’m just here to help you make smarter decisions for a happier, wealthier and more fulfilled life. I love a good chat so feel free to pick up the phone. The worst thing that can happen is I can give you some ideas you may not have thought of already. You can also drop me a message and we can arrange a call.

Now I completely understand not everyone needs me and if you can do it all yourself then go for it, however I'm here to help should you need me. If you’re not quite ready just yet to arrange some time together please feel free to connect to me here. Likewise if you feel one of your friends or family would benefit from my help, do please pass on my details and I'll help them any way I can.

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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.