Gabriel Bradnick

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 help clients grow, protect, and manage their wealth through clear, personalised investment strategies that align with their goals, values, and stage of life. My focus is on giving clients confidence in their financial decisions by simplifying the complex and providing straightforward, reliable advice that leads to long-term success.

A significant part of my work is centred on Islamic finance. I specialise in helping clients achieve Sharia-compliant investments that stay true to their ethical and faith-based principles while still aiming for strong financial outcomes. Islamic finance can be intricate, with unique requirements around interest, risk-sharing, and the types of assets that can be held and my role is to make this process simple, transparent, and effective.

I work closely with clients to design portfolios and financial plans that meet their needs without compromising on compliance or performance. My background in economics has given me a strong analytical foundation and a deep understanding of global markets. Before joining Quilter Financial Advisers, I worked in banking and international economic research, gaining valuable insight into how financial systems operate and how to build resilient investment strategies in changing conditions. This experience allows me to bring a broad, informed perspective to every client relationship. I believe that good financial advice should give people clarity and confidence — not confusion. By understanding each client’s individual goals and values, I aim to create long-term plans that are both meaningful and effective, supported by trust, transparency, and consistent results.