Howitt Wealth Management Ltd

26/06/2026

Looking for trusted financial advice tailored to your goals?

Whether you're planning for retirement, growing your investments, protecting your wealth, or simply looking for greater clarity and confidence in your financial future, Howitt Wealth Management is here to help.

We understand that everyone's circumstances are different, which is why we take the time to get to know you, your ambitions, and what matters most. With expert guidance and a personalised approach, we help our clients make informed decisions and build a financial plan that works for them.

Contact us today for more information!

27/04/2026

Huge congrats to my son and his fiancée with a fantastic performance in , we are so proud of you ❤️

20/04/2026

What an honour is was to be invited to sponsor this event, fantastic amount of money raised 👏👏👏

19/04/2026

With the situation continuing to evolve, financial uncertainty is likely to remain for some time.

Reviewing your current financial position and making informed decisions is key to staying on track.

If you’re unsure how these changes may affect you, seeking professional advice can help you navigate the months ahead with confidence.

Howitt Wealth Management Ltd is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 1/4/2026

18/04/2026

Huge good luck to Paul and Amelia Anderson running Manchester Marathon tomorrow 🏃🏃🏼‍♀️👟🍀@

18/04/2026

What a fabulous day to share with So many wonderful ladies 😅 Thank you for letting us sponsor this event Chester BIRDS

15/04/2026

10/04/2026

What is an ISA, and why is 5th April important?

An ISA (Individual Savings Account) is a tax-efficient way to save or invest money. In simple terms, it allows your money to grow without certain taxes applying.

With an ISA:

✔️ There’s no income tax on interest
✔️ No capital gains tax on investments
✔️ No tax on dividends
✔️ And nothing to report on a tax return

One key detail that’s often overlooked is the 5th April deadline.

ISA allowances operate on a “use it or lose it” basis. If the allowance isn’t used by 5th April, it can’t be carried forward.

On 6th April, the allowance resets to £20,000 for the new tax year. The £20,000 annual allowance remains for 2026, but from April 2027, under 65s can only put £12,000 into Cash ISAs.

Unused allowances over time can result in a significant amount of money missing out on tax-free growth. For business owners paying themselves through dividends, or families focused on building long-term wealth, consistently making use of the annual ISA allowance is a straightforward part of effective financial planning.