Jonathan Gabor

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.

Before becoming a financial adviser, I spent ten years working in commercial property, helping companies find the right office space to support their growth and ambitions. That experience taught me the importance of strategy, practical planning, and understanding individual needs, skills I now bring to my work with clients.

As a financial adviser with Quilter, I focus on helping people make informed decisions about their finances in a way that’s clear and achievable. I work with clients to understand their current situation, clarify what matters most to them, and develop practical plans that help them feel confident about the future. Whether it’s planning for retirement, managing property or business wealth, protecting your family, or preparing for life’s unexpected events, my aim is always to make the process straightforward and tailored to you.

I aim to be approachable and attentive, taking the time to listen and understand what matters most to each client. I explain financial concepts in easy to understand terms and focus on solutions that genuinely fit your life and goals, ensuring that advice feels practical, realistic, and meaningful.

Outside of work, I’m a father of three boys, an avid football fan, and over the past year I’ve discovered a real passion for padel. I enjoy spending quality time with my family and engaging in activities that challenge me and keep me active. I bring the same energy and focus to my work, helping clients feel confident, informed, and supported in shaping a financial future that’s right for them.