Paul Vickers

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’m Paul Vickers, a financial adviser with a passion for helping individuals and families manage their wealth, plan for the future, and protect their financial well-being.

My areas of expertise include wealth and managing investments, pension planning, savings strategies, protection, and general insurance. My goal is to take the complexity out of financial planning and give my clients clarity and peace of mind. I help clients grow and protect their assets. I create personalised investment strategies that align with each client’s risk tolerance, time horizon, and financial goals. Whether a client is looking to build wealth over time or preserve their capital, I work diligently to ensure their investment portfolios are tailored to meet their needs.

My approach is rooted in sound analysis and a deep understanding of market trends, which enables me to guide clients through both favourable and challenging economic conditions. Pension planning is another key area of my practice. I understand how important it is for individuals to feel secure about their retirement, so I work closely with my clients to develop strategies that maximize their pension contributions while optimising tax efficiency. Whether they’re just starting out in their careers or approaching retirement, I offer tailored advice to help them achieve a comfortable and worry-free future.

In addition to wealth management and pension planning, I also provide guidance on savings strategies and protection. I help clients build financial safety nets through well-structured savings plans, ensuring they’re prepared for both short and long-term needs.

My expertise in protection strategies, including life insurance, critical illness cover, and general insurance, ensures that my clients and their assets are safeguarded against life’s uncertainties.

Outside of work I enjoy spending time with my family and playing sport-mainly cricket and hockey. The latter I have been fortunate enough to be selected for Wales masters and play indoor and outdoor world cups, travelling as far as Auckland in the process!