Eddy Carter-Smith

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. November 2025.

I have experience in all core advice areas, with a specialism in wealth management (investment and pensions) and estate/wealth preservation. I have achieved Certified Financial Planning status, and additionally, I have been accepted as a member of the London Institute of Banking and Finance.

I have worked across all client areas and specialize in affluent and high net worth private clients. I have built a solid network of clients by providing advice and high-quality service to local people, business owners, clients in the mid-stage of working life, and those approaching retirement who want to maximize their standard of living.

Since moving to the UK in January 2017, I have worked with a network of specially selected experts to support all your advice needs. I have been married since 1986 and have three children. My keen interests include exploring the world and being an avid amateur chef and braai master. I also have a passion for reading and researching all subject matters, particularly Eschatology.