Thomas Baldwin

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.

Before becoming a financial planner, I worked as a truck mechanic, where I learned the value of long-term thinking and preventative maintenance. That mindset now shapes my approach to financial planning - because investing in your future is a long haul journey.

I’m committed to helping clients achieve their goals with confidence and clarity, and I place great importance on building strong, lasting relationships. For me, a solid financial plan starts with the right protection. Life can be unpredictable, and ensuring your family is secure through illness, disability, or worse provides peace of mind when it matters most.

I guide clients through these conversations with honesty, care, and a calm, practical approach, helping them make confident decisions about their family’s financial future.

I’m a full-time dad to two energetic kids who sit at the centre of every decision I make. When I’m not helping clients, you’ll usually find me on the football pitch or in the gym, always pushing myself to learn, grow, and improve.

Get in touch, I will always make time to care for you and your family.