Nicola Ruohonen

Tackle tax year end with confidence

Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities.

In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.

I can go through your financial position with you, so you’re ready for tax year end on 5 April. Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review or a cashflow modelling session to understand your financial position better.

Approver Quilter Financial Services Limited. November 2025.

My clients are at the very heart of my advice service. Together we shape a bespoke plan, personalised to their specific objectives, which evolve over time as priorities change. I make complex subjects clear and comprehensible, so informed and important decisions about one’s wealth can be made throughout life’s exciting and sometimes unpredictable journey.

Hampshire based most of my life, having also lived in London and Australia. Outside of work, my biggest lifelong passion is travel and experiencing new cultures, landscapes and cuisines. At the weekend, I enjoy socialising with friends and family, especially over meals out and dinner parties. I am a keen cook, and love trying new recipes, and also sticking to our family favourites.

Hobbies include putting my ‘gold’ rated mystery diner status to use and keeping active via walking, yoga and the gym. I also have an interest in property development, having done several refurbishments over the years, utilising the tax benefits of the limited company I set up.

As a mother of two very active tweenagers, I fully appreciate life is busy, so I am happy to offer meetings out of hours, and also face to face for those local. Please get in touch to arrange a no obligation initial appointment, whereby I will talk through your finances, objectives and next steps. I look forward to hearing from you!