Sylvester Ikekhua

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.

With over many decades of varied professional and entrepreneurial experience, I am a truly passionate financial planner dedicated to bridging the financial advice gap, engaging, enlightening, and empowering my clients with the knowledge to navigate financial complexities through tailored financial strategies. I provide personalised solutions that enhance financial clarity, confidence for long-term sustained success, by helping my clients avoid those costly financial mistakes.

Areas that I can help with but not limited to:

1. Holistic Planning
2. Investments & Savings
3. Pensions and Retirement planning
4. Inheritance Tax and Estate Planning
5. Protection – individual, family and business protection
6. Personal tax planning
7. General Insurance

My client’s goals, priorities, hopes and aspirations come first. The key advice stages for my clients are

• Understanding – I start by actively engaging and listening to deepen my understanding of my clients’ financial goals, hopes and aspirations, to enable me to provide tailored advice and services that align with their core objectives
• Building – it’s how I provide tailored and evidence-based recommendations so that my clients can achieve their set goals
• Implementation – acting as my clients’ guiderail to ensure everything is set up correctly and in line with their set objectives
• Monitoring – Provide regular on-going reviews to ensure the recommendation continues to be right at every stage of my client’s life journey.
• I am available for face to face or remote meetings, check for my availability and book a no-obligation initial conversation or perhaps you’d like to hear a second opinion.