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31.03.2026

The Tax Year End Is Approaching – Have You Used Your Allowances?

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Dasa Medvecka, Quilter Financial Advisers

The Tax Year End Is Approaching – Have You…

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As we approach the end of the tax year, it’s a good time to pause and ask a simple but important question: have you made full use of your available allowances?

Many valuable tax allowances reset on 6 April each year. If they’re not used, they’re often lost — meaning missed opportunities to improve your overall financial position.

Key areas to consider:

ISA Allowance
Each individual has an annual ISA allowance (£20,000). Any unused portion cannot be carried forward, so ensuring this is fully utilised can be a simple and tax-efficient way to grow your savings.

Pension Contributions
Pensions remain one of the most tax-efficient ways to save for the future. Contributions benefit from tax relief, and unused annual allowance may be carried forward (subject to eligibility). For higher earners in particular, this can be a valuable planning opportunity.

Capital Gains Tax (CGT) Allowance
The annual CGT exemption allows you to realise gains up to a certain level without paying tax. If you are holding investments outside of tax wrappers, it may be worth reviewing whether gains can be realised efficiently.

Dividend Allowance
With dividend allowances now reduced, it’s increasingly important to ensure investments are structured in the most tax-efficient way.

Why this matters

Tax planning isn’t about last-minute action — it’s about being proactive. However, the tax year end provides a natural checkpoint to review what has (or hasn’t) been done.

For many professionals, allowances go unused simply due to time, complexity, or uncertainty around what is appropriate.

A simple takeaway

If you haven’t reviewed your position yet, there is still time to act — but the window is closing.

Making use of available allowances doesn’t necessarily require drastic changes, but it can make a meaningful difference over time.

If you’d like a quick, no-obligation conversation to sense-check whether you’ve made the most of this year’s allowances, feel free to get in touch.

 
 
 
 
 

 

 
 
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Dasa Medvecka Quilter Financial Advisers

I am a Chartered Financial Planner, fully authorised and regulated to provide financial advice. With extensive experience across pensions, mortgages, and estate planning, my focus is on helping…
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