Terence Neves

Tackle tax year end with confidence

Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities.

In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.

I can go through your financial position with you, so you’re ready for tax year end on 5 April. Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review or a cashflow modelling session to understand your financial position better.

Approver Quilter Financial Services Limited. November 2025.

Here’s where I can help. When you’re managing work, family and everything in between, it’s easy for your finances to slip to the bottom of the list. I help you get the essentials in place. Starting with the right protection, so that if something unexpected happens, your family is financially secure. From there, we focus on building your wealth in a way that actually fits your life, whether that’s planning for your own future or supporting your dependants through the milestones ahead.

I’ll work with you to map out the retirement you want and check you’re on track to reach it. And when it comes to passing on what you’ve built, I’ll guide you through doing it in a clear, tax‑efficient way that protects your family and reflects your wishes.

My job is simple. To cut through the noise, make the numbers make sense, and give you a plan you can trust. Today, tomorrow, and long term.

Outside of work, I’m an avid traveller with a particular passion for cruise travel. Through previous roles, I’ve had the opportunity to work at sea and sail across all seven continents, gaining a broad perspective and a wealth of insight along the way. It’s also left me with more stories than I can ever fit into one conversation. The kind that tends to come out over a coffee and usually end with a laugh or an “I never knew that.