Richard Love

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 planner from Lingfield on the Surrey/Sussex border. I am here to guide you and your family through the sometimes complex world of financial planning. I start with a simple premise. My job is to get your money working for you in the best and most tax efficient way for you to see your money achieving whatever financial goals you have set.

I have had a varied career, from working in financial services to running a commercial investigation business to owning my own Italian restaurant. These experiences help me really understand all sorts of different people and particularly their goals and motivations. I firmly believe that with financial planning we start with the end result we want and then work back. We set things up properly and outline the path that will get us there. We review, adapt and protect as we go along and make those goals happen.

When I am not working, I love to travel and have visited numerous countries around the world; everything from the wilds of Chilean Patagonia to the rainforests of Malaysia. I also enjoy all sport with a particular interest in horse racing. At home I like a decent glass of red wine and spending time with my family, friends and 2 rescue dogs, Patti from Serbia and Munch from Romania.