Steven Sylvester-Ajudua

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.

With over a decade of experience, I believe each client’s journey is unique. I’m committed to delivering tailored advice grounded in genuine care, expertise, and forward-thinking solutions. I’ve built a reputation for cutting through jargon, providing clarity, and offering peace of mind—all while keeping you focused on achieving your goals.

Specialisms

I specialise in working with:

1. Veterinary and Dentistry Professionals: Partnering with businesses of all sizes, including major corporations, I have over 7 years of experience in understanding the unique financial needs of these industries.
2. Business Owners: Helping with key areas such as business protection, retirement planning, maximising business earnings, and succession planning to safeguard and grow your business.
3. Individuals and Families: Supporting those seeking peace of mind in their financial planning, with a particular focus on retirement and estate planning.

I understand the financial challenges and opportunities in these areas and work tirelessly to help my clients make informed, strategic decisions that support both personal and professional goals.

Whether you’re a healthcare professional, business owner, or family looking for reliable, long-term guidance, I approach each relationship with a focus on building lasting value. My services cover comprehensive financial planning, tax-efficient investment strategies, and support through life’s key milestones—so you can focus on what truly matters, while I take care of the details.

Outside of Advising

Outside of my advisory role, I’m committed to mentoring. I find great satisfaction in helping others—from secondary school students to young professionals in the financial industry—build confidence, resilience, and a foundation for future success. In my personal life, I enjoy staying active through football and fitness, spending quality time with my wife and Bengal cats, and unwinding with a good crime thriller. As a keen sports fan, I also keep up with a variety of sports.

Get in Touch

If you’re ready to take control of your financial future, let’s start a conversation. I offer an open, no-obligation discussion to explore how we can craft a financial plan tailored just for you. I look forward to being part of your journey towards achieving lasting peace of mind.

Succession Planning is not regulated by the Financial Conduct Authority.