Robbie Humphries

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 help people bring order and confidence to their financial lives.

My focus is always on understanding what matters most to you and ensuring you have a clear picture of your financial position. When you understand where you stand and what your options are, decisions become easier and more confident.

I advise on pensions, investments, protection, retirement planning, inheritance tax considerations and broader financial structuring. Whether you are building wealth, preparing for retirement, protecting your income, or simply getting organised, my role is to simplify the moving parts and help you see the bigger picture.

Clients often tell me they value the clarity and calm approach I bring to conversations that can otherwise feel complex. My aim is to give you confidence in your choices and reassurance that you are on the right path.

Financial advice should feel structured, collaborative and personal. If you are looking for clear guidance and a long-term partner to help you make sense of your finances, I would be delighted to help.