Paul Vickers

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’m Paul Vickers, a financial adviser with a passion for helping individuals and families manage their wealth, plan for the future, and protect their financial well-being.

My areas of expertise include wealth and managing investments, pension planning, savings strategies, protection, and general insurance. My goal is to take the complexity out of financial planning and give my clients clarity and peace of mind. I help clients grow and protect their assets. I create personalised investment strategies that align with each client’s risk tolerance, time horizon, and financial goals. Whether a client is looking to build wealth over time or preserve their capital, I work diligently to ensure their investment portfolios are tailored to meet their needs.

My approach is rooted in sound analysis and a deep understanding of market trends, which enables me to guide clients through both favourable and challenging economic conditions. Pension planning is another key area of my practice. I understand how important it is for individuals to feel secure about their retirement, so I work closely with my clients to develop strategies that maximize their pension contributions while optimising tax efficiency. Whether they’re just starting out in their careers or approaching retirement, I offer tailored advice to help them achieve a comfortable and worry-free future.

In addition to wealth management and pension planning, I also provide guidance on savings strategies and protection. I help clients build financial safety nets through well-structured savings plans, ensuring they’re prepared for both short and long-term needs.

My expertise in protection strategies, including life insurance, critical illness cover, and general insurance, ensures that my clients and their assets are safeguarded against life’s uncertainties.

Outside of work I enjoy spending time with my family and playing sport-mainly cricket and hockey. The latter I have been fortunate enough to be selected for Wales masters and play indoor and outdoor world cups, travelling as far as Auckland in the process!