Tom Loten

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.

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.