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Financial planning for unique individuals

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The Architect of all your finances: Designing your future, building foundations & crafting strategies to grow your wealth

With offices in Bath, Edinburgh and London, Unividual is a Chartered Financial Planning business like no other. We are a women and LGBTQIA led financial advice business and now one of the largest privately-owned, family-run financial planning businesses in the UK, Unividual’s name reflects our core belief that everyone is unique and individual. We don’t stereotype or put people in to boxes, so our version of financial planning is bespoke across each area of your finances. You don’t have to be “rich” or “elderly” to benefit from financial advice, so put any worries or objections aside. Whether you are looking for one-off personal or business advice, or need a complete overhaul of your finances, Unividual will increase your financial literacy, improve your stability and organise your money, your way.

Find out more about financial planning

How can we make a difference in your world?

Throughout life, you will come across key milestones that affect your finances. Put simply, our role is to help you improve your financial situation, safeguard you against your biggest financial fears and help you overcome financial challenges. This will be what enables you to reach your full potential and achieve what you want from life. The challenge that hinders us from achieving this is, people don’t understand the role financial advice plays.

In 2022 the Financial Conduct Authority reported only 8% of UK adults received financial advice. The industry needs to do more to help people understand what we actually do as financial advisers. For years education has been at the core of what we do and we will continue to give away more knowledge for free. Everyone has access to Unividual’s free financial planning guides, money management articles and videos. Our clients are also passionate about our mission so they have shared their financial planning journey case studies so you can understand how affordable financial advice is and the role a financial adviser plays in improving wellbeing and financial security.

Hear from our clients

How you know you can trust us

Unividual is one of the most respected financial planning firms in the UK. More than 80% of our business, every year, is from existing clients. In 2022 66% of our new clients were recommended to use Unividual from people who know the business.  We are proud to be a Chartered financial planning firm with 85% of our advisers being Chartered financial planners. We have held the Pension Transfer Gold Standard since 2019 and a place on the HM Treasury Women in Finance Charter for three years. Our financial advisers are Top Rated on VouchedFor and in 2023 we have been nominated for 12 awards and picked up the following trophies: Bath Life Award 2022 and 2023, Best Financial Advisers to Work For 2023, Mental Health Committed Employer 2023, Bath Property Award 2022. We get that is never going to be enough for you to build up trust, so if you are new to Unividual and never heard of us be reassured that we offer a free first meeting to all prospective clients so that you can get to know the person behind our trusted brand.

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The types of people and businesses we love working with

Traditionally, financial services has had a rigid group of advice firms working with thousands of clients grouped together, receiving standardised, “off the shelf” financial planning. This is not “The Unividual Way” and we don’t live in a world that serves the traditional image of what a client looks like. Unividual has spent many years working hard to build up trust with different communities and demographics within the UK, focusing on inclusive marketing and fostering an approachable, understanding team who can support a diverse range of people. In 2022 51% of our clients were women and 49% men, clients are from different backgrounds and cultures, many are from the LGBTQIA community, all our families are unique and we continue to proudly work with many single professionals too. Some clients are just starting out and others are ready to finalise their retirement plans.  Whether someone needs a one off piece of advice or is keen to explore ongoing financial planning, all of us at Unividual will work hard to ensure you make sound financial decisions, alongside a financial adviser who cares and has the expertise to constantly shape your financial plan.

Is financial planning for me?

Not just financial advice for people, but companies too and entrepreneurs

Whether you class yourself an entrepreneur or not, if you run a business, this gives you an additional family to look after other than your own.  With the lack of financial education in schools Unividual believe that businesses can play a role in bolstering a person’s financial wellbeing. Whether you are looking for a financial wellbeing workshop, want to outsource the organisation of your benefits package or need to protect your business from risks then you can enrich yours and your employees lives through financial advice, the Unividual way. Here are some of the companies we are currently working with.

A good place to start: Read our ultimate guide to financial planning

The first step is to understand why people use a financial adviser. In this guide read how the industry works, the psychology behind how humans tend to manage money and find out about the coaching advisers give to help combat biases. We round everything up with some tips on how you can manage your finances on your own, if that is the route you want to go down, and what the next steps are if you want to start working with one of Unividual’s advisers. For people in the LGBTQIA+ community you can also read our Financial Planning Guide for LGBTQIA couples.

What is financial planning

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