Joshua Stock-Mooney

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.

Today, I work with a wide range of clients from individuals to business owners and large PLCs, helping them make confident, informed decisions about their financial futures.

Here's how I support my clients:

Retirement planning - I help clients visualise and achieve their ideal retirement by building a retirement planning strategy which is tailored to your investment preferences and goals. Whether you're approaching retirement or planning decades ahead, I ensure your plan evolves with you.

Investment advice - I construct and review portfolios that align with your risk profile, responsible investment preferences, and long-term objectives. I provide clear guidance on how your investments can work harder for you.

Tax planning and efficiency - I advise on structuring your assets to minimise tax liabilities across income, capital gains, and inheritance tax. This includes optimising pension contributions, ISA allowances, and exploring more advanced solutions like investment bonds and trusts where appropriate.

Wealth protection and estate planning - I support clients in safeguarding their wealth through tailored protection strategies, including life cover, critical illness, and income protection. I also help navigate inheritance tax planning to ensure your legacy is passed on efficiently and in line with your wishes.

Ongoing reviews and support - Financial planning isn't a one-off event. I provide regular progress checks and proactive updates to keep your strategy aligned with changing legislation, market conditions, and personal circumstances — ensuring your plan remains on track and fit for purpose.

My advice can be delivered in person, or 100% remotely with meetings held by 'Microsoft Teams' or 'Zoom'.