Eddy Carter-Smith

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 have experience in all core advice areas, with a specialism in wealth management (investment and pensions) and estate/wealth preservation. I have achieved Certified Financial Planning status, and additionally, I have been accepted as a member of the London Institute of Banking and Finance.

I have worked across all client areas and specialize in affluent and high net worth private clients. I have built a solid network of clients by providing advice and high-quality service to local people, business owners, clients in the mid-stage of working life, and those approaching retirement who want to maximize their standard of living.

Since moving to the UK in January 2017, I have worked with a network of specially selected experts to support all your advice needs. I have been married since 1986 and have three children. My keen interests include exploring the world and being an avid amateur chef and braai master. I also have a passion for reading and researching all subject matters, particularly Eschatology.