Carlos Perez

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 - equating to millions of pounds a year.¹

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. Did you know, for instance, that only 1 in 7 savers fully use their ISA?² Or that you could be one of the 2m couples³ who aren’t making the most of their marriage allowance?

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.

For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.

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.

¹ Source: https://www.thetimes.com/money-mentor/pensions-retirement/how-to-claim-higher-rate-tax-relief-on-pension-contributions-in-the-uk

² Source: https://ifamagazine.com/just-one-in-seven-brits-use-their-full-isa-allowance-survey-shows/

³ Source: https://moneyweek.com/personal-finance/605717/marriage-tax-allowance

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 17 December 2024.

Originally from Venezuela, I’ve always had a deep connection to the UK, rooted in my British heritage through my grandfather. My passion for the culture and opportunities brought me here, where I pursued an MBA and worked in the hospitality industry as a chef, manager and business consultant.

This unique journey has given me invaluable experience in client service by creating tailored solutions to meet individual and business needs. Helping others has always been a natural calling for me. I find immense fulfilment in supporting family, friends, and colleagues to achieve better outcomes - whether by offering advice, listening during challenging times, or simply being a reliable point of reference. Financial planning allows me to extend this passion to my clients, helping them navigate complex decisions with trust and clear communication. I approach financial planning much like a personal trainer - providing guidance, encouragement, and a structured plan to help clients achieve their goals. I find great satisfaction in empowering individuals to see things differently and take charge of their financial futures with confidence.

Outside of work, my love for cooking remains strong, exploring new cuisines and cultures through travel is a constant source of inspiration for me. I also enjoy staying active and working out, which helps me connect with clients who value a balanced and fulfilling lifestyle.