Life is not a rehearsal and the same can be said for the planning needed to secure your financial future.

Your annual ISA allowance forms an increasingly valuable part of that plan, whether to provide income now or in the future, or to build a capital sum. Yet if you do not use it, you lose it. That is why it is so important to make full use of your allowance and find an investment solution that gives you the opportunity to help ensure the tax advantages of your ISA are maximised. It is also important to remember that a Stocks and Shares ISA offers a wider range of investment options which can help cushion you from the ups and downs of stock markets.

The government has previously announced that the allowance will rise annually in line with inflation, which means the current limit of £10,680 will increase to £11,280 in the next tax year. However, you should bear in mind that the favourable tax treatment given to ISAs is subject to changes in legislation and may not be maintained in the future.

Click here for more information about the St. James's Place ISA, the new Junior ISA and ideas for managing your money in these difficult times.

If you are considering investing in an ISA in this tax year, you have until 5 April to do so, or your valuable tax-saving opportunity will be lost.

For more information please email Caroline.Elder@cbsastorbuller.com or telephone 028 9066 8778