Tom Loten

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 believe financial planning should be clear and straightforward. My approach is open and transparent, making sure you fully understand your options and feel comfortable with every decision we make together. Whether you’re planning for retirement, saving for a once in a lifetime experience, investing for your children’s future, or protecting the things you value most, I’m here to guide you with ongoing support and clear, professional advice. My aim is simple: to give you clarity, peace of mind, and a financial plan that works for you today and in the years ahead.

I have always been passionate about helping people navigate their finances with confidence. What motivates me most is building genuine, long‑lasting relationships where clients feel understood, supported, and able to talk openly about their goals. I pride myself on being approachable and down‑to‑earth, making even the more complex aspects of financial planning feel easy to understand.

Sport has always played a big part in my life. As a former cricketer and an enthusiastic follower of rugby and football, I love the sense of teamwork, discipline, and resilience that sport brings - qualities that I carry into my work with clients every day. When I’m not working, you’ll usually find me playing sport, in the gym, or catching up on the latest matches. Staying active helps me stay focused, energised, and ready to give my best to everyone I support.