Nichola Wilcox

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 am a financial adviser with more than two decades of experience, supporting individuals and families feeling more confident and in control of their financial decisions. I’m committed to breaking down complex information into something clear and manageable, helping clients focus on their priorities and move towards a secure and stable future.

I believe financial planning works best when it's built on trust, transparency, and an open, collaborative relationship. My approach places you firmly at the centre of every conversation, ensuring you always feel informed, empowered, and supported. No matter what life brings, I’m here to guide you with clear, straightforward advice - so we can navigate any challenges together and keep you moving toward the future you want.

Outside of work, I love walking coast paths, spending time on the beaches, and swimming in the sea whenever I can. Family means everything to me, I’m married with two grown up children, and being with them is what keeps me centred and motivated.

The combination of my experience and my desire to really understand people influences how I work. I aim to offer dependable, thoughtful advice that leaves clients feeling heard, supported, and secure in their financial plans.