Sean Dennis

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 hold a Master’s degree in Finance and Accounting from the University of Sheffield, alongside the CII Diploma in Regulated Financial Planning (Level 4). My work bridges traditional financial advice with the tools and mindset of a new generation of professionals - focused on transparency, technology, and measurable results. I help both business clients and individuals make smarter financial decisions across pensions, investments, protection, business continuity, and tax-efficient planning. My philosophy is simple: combine evidence-based strategy with personal clarity.

Using advanced cash flow modelling, I show clients the impact of their decisions over time - turning abstract financial goals into clear, visual roadmaps. For business owners, I provide integrated advice that aligns corporate and personal finances, ensuring that company structures, pensions, and investment strategies all work together efficiently. For individual clients, I take pride in offering straightforward, jargon-free guidance that helps people build and protect wealth with confidence. I’m passionate about investing and spend much of my time exploring quantitative strategies, using Python to build financial models and test ideas that challenge traditional market thinking. This data-driven curiosity shapes the way I approach client portfolios - always looking for innovative, risk-aware opportunities to enhance performance.

Outside of work, I’m an active person who enjoys Football, Basketball, Golf, and Chess - pursuits that reflect both my competitive edge and strategic mindset. Whether on the field or at the desk, I’m always thinking a few moves ahead. Ultimately, my goal is to redefine what modern financial advice looks like - blending professional rigour with technology, curiosity, and a genuine commitment to helping clients achieve financial freedom in a fast-changing world.