Kashef Reid-Bashir

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 help private clients, entrepreneurs, and senior UK professionals look to grow, protect, and transfer their wealth across generations. My focus is on creating clear, personalised strategies that align with your goals and life stage, helping you make confident financial decisions — even in complex scenarios.  

• Drawing on the vast resources of Quilter, one of the UK's leading wealth managers, I provide advice across a wide range of wealth management and financial planning services.
• Personalised wealth management strategies to grow and protect assets.
• Tax-efficient planning to optimise compensation and investment outcomes.
• Pension and retirement planning (Group Personal Pensions (GPPs) Self-invested personal pension (SIPPs, Small self-administered pension scheme (SSAS) ) with cashflow forecasting.
• Wealth management (General Investment Account (GIA), ISAs, Onshore/Offshore Bonds) aligned to your objectives.
• I can also assist with Discretionary Fund Management, which we provide in partnership with Quilter Cheviot.
• High-interest cash solutions (CashHub) for liquidity and short-term returns.
• Estate planning to manage Inheritance Tax Planning, Capital Gains Tax Planning, and stamp duty exposures.
• Intergenerational wealth transfer via structured vehicles such as Family Investment Company (FICs) and Trusts.

For entrepreneurs and management teams progressing through funding rounds from Series A onwards, I also provide guidance to:

• Map liquidity events and exits for tax-efficient wealth extraction.
• Align risk, return, and long-term objectives.
• Analyse and look to optimise vesting schedules and equity ownership.
• Build scenario-based cashflow plans to ensure clarity and flexibility.

My role is to coach, guide, and partner with clients, ensuring strategic objectives, risk appetite, and long-term goals are clearly defined and integrated into a sustainable financial plan.

I bring a background in finance and strategy from organisations including Reuters (now Refinitiv), FTSE (now FTSE Russell), and Booz Allen Hamilton. I am Investment Advice Diploma qualified (CISI Level 4) a Qualified Accountant (ACMA), and hold an MBA from Cranfield School of Management.

Outside work, I enjoy playing tennis at club level and spending time with family.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

For a free initial consultation, please book an appointment or connect on:
kashef.reid-bashir@quilterfa.com | +44 (0)7939 004063

Estate Planning, Trusts, Tax Planning including Inheritance Tax Planning, Advice held on Cash on Deposit, Succession planning and Offshore bonds are not regulated by the Financial Conduct Authority.