Bhavesh Patel

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.

Bhavesh – Guiding You Toward Financial Freedom.

With nearly two decades of investment banking experience, I’ve honed a deep understanding of finance. But beyond numbers and spreadsheets, I’ve always been driven by the desire to push boundaries, both personally and professionally. Having achieved financial independence by 39, I’m now passionate about helping others shape their financial futures with the same determination and focus.

I’ve faced challenges beyond the financial world—whether it’s climbing Mt. Blanc, cycling from London to Paris, or sailing across the Atlantic from Rio de Janeiro to Cape Town.

These adventures have taught me resilience, planning, and adaptability—qualities that I bring into every client relationship. Whether you’re just getting started with a young family or preparing for retirement, I offer holistic financial planning that covers wealth management, business and personal protection, retirement planning, and wealth preservation. I believe in empowering you to live fully today while securing a prosperous future.

My approach is simple: I only recommend solutions that I’d suggest for my own family. I’m committed to building long-term relationships, offering advice grounded in trust, transparency, and care. The financial strategies I provide are designed to support your individual goals, so you can live the life you envision.

I hold a first-class degree in Mathematics, am a Fellow of the Chartered Institute of Management Accountants, and hold a Diploma in Regulated Financial Planning from the Chartered Insurance Institute. Numbers have always been my strength, and applying the same principles I’ve learned throughout my career, I help clients achieve financial security, independence, and peace of mind.

In an era where financial literacy is low, and social media is filled with misleading advice, I’m passionate about educating and guiding my clients through complex financial decisions. I want to help you make informed choices that align with your values and life’s purpose. While I am compensated for my services, my true motivation comes from my love for this work. Financial planning, for me, is about making a meaningful impact, and my accessible pricing reflects that commitment.