Christian Malan

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.

I commenced my career in the financial services industry in 2004 as a Financial Adviser with Old Mutual. After a three-year tenure with the company, I established my own IFA practice, which I managed for five years before divesting it and relocating to Cape Town. Subsequently, I assumed the role of senior adviser at a boutique IFA practice in Cape Town, where I served for a decade.

In 2021, I transitioned to the UK and commenced my position as a financial adviser with Quilter in 2023.

With over 20 years of experience, my primary focus has been on delivering personalised advice and cultivating enduring client relationships. Since joining Quilter Financial Advisers, I have engaged with both individual and corporate clients, providing tailored financial guidance. I have honed my expertise in diverse areas, including Pension Planning, Investments, Protection, and Inheritance Tax Planning. My dedication to providing high-calibre financial advice remains unwavering. Throughout my professional trajectory, I have consistently pursued the objective of safeguarding my clients' financial well-being and prosperity.