In 2019 only 8% of the UK adult population received financial advice, according to the Financial Conduct Authority (FCA). It is our belief that the industry needs to do more to make financial advice more accessible so people have the information they need to manage their money. Our financial planning guides are designed to give you a more in-depth look into some key money management topics that might be relevant to you. You can download these resources for free and if they raise any questions or concerns we are always here to help.
Tax is one of those things that can keep us up at night. By planning for the tax implications of a new financial year you can make sure your savings, investments and pensions perform as tax efficiently as possible. Our ultimate guide to the tax year can help make sure you don’t miss a thing:
1. What, and when, is a new tax year?
2. What are the key rules and rates?
3. Important tax allowances
4. What are the important dates for the tax year
5. How the tax year effects savers, investors, tax payers, small businesses, self-employed and employed people
Unsure if investing is for you? Finance can just feel such a minefield of information at times. For anyone looking to start saving for the long-term, our ultimate guide offers advice from experts to help you understand: Savings V investment, understanding the risks of investing, what to consider before making an investment, types of investment products, a word on tax efficiency, ethical investing and choosing how to invest your money.
We get to our 20s and 30s and everything just seems to get more complex and serious. You start worrying about how to improve your finances. You get advice from friends, parents and over consume information, in the end you just don’t know where to start or who to trust. We get it! After all, the people running our business are in their 30s too. So, Unividual brings to you views from our professionals and some easy ideas just to get you started, from budgeting through to saving, debt, buying your first home and investing. Then if you want to take things to another level you know where we are.
Unividual’s advice and guidance was invaluable in securing a great mortgage deal despite my somewhat complicated personal financial situation. Their advisors are fantastic, professional...
Unividual’s advice and guidance was invaluable in securing a great mortgage deal despite my somewhat complicated personal financial situation. Their advisors are fantastic, professional and can help with all aspects of your financial planning. Would recommend highly!
Simon Hicks is a consummate professional, Simon helped me understand financial processes that were unknown to me. He fundamentally helped me achieve buying my dream home and offering sound...
Simon Hicks is a consummate professional, Simon helped me understand financial processes that were unknown to me. He fundamentally helped me achieve buying my dream home and offering sound financial advice at every step. The face to face personalised service made me feel comfortable about each decision I was making, and where I was a little unsure, Simon made sure we covered that topic until I fully understood everything before we moved to the next area of financial planning. I couldn’t recommend Simon any higher – very nice chap too!
I used Simon Hicks to assist me in finding a mortgage as I looked to move from my flat into a house, moving away from having the mortgage on my own to being jointly held with my partner. I...
I used Simon Hicks to assist me in finding a mortgage as I looked to move from my flat into a house, moving away from having the mortgage on my own to being jointly held with my partner. I work in the financial industry but find mortgages daunting hence turning to Simon for help. HE WAS SUPERB. Really clear, patient, attentive, available – finding us a mortgage which suited what we were looking for. Will look to use him for other finances in the future. Thanks Simon.
Could I just say how good your staff are in general to deal with. It doesn’t matter who answers the phone it is always handled in a very polite and efficient way, no pre-handling general...
Could I just say how good your staff are in general to deal with. It doesn’t matter who answers the phone it is always handled in a very polite and efficient way, no pre-handling general recorded messages either. Very refreshing. Your people are extremely efficient with handling of tasks giving me prompt feedback where required without me chasing and being diplomatic when I’ve been mucking things up like shredding documents that I should have been sending back to you!!! All in all a great service, many thanks.
Thanks so much to Simon at Unividual who made everything so much easier by navigating us through this complex process of getting a mortgage!
Thanks so much to Simon at Unividual who made everything so much easier by navigating us through this complex process of getting a mortgage!
Simon Hicks at Unividual has made what should be a stressful process extremely easy and straightforward. He is very knowledgeable, yet able to explain complex matters in a jargon-free, easy-to-understand...
Simon Hicks at Unividual has made what should be a stressful process extremely easy and straightforward. He is very knowledgeable, yet able to explain complex matters in a jargon-free, easy-to-understand way. We could not have asked for a better mortgage advisor; he was very patient with us and made sure that we were always getting the best possible outcome. Always quick to act and respond, even at very short notice. I couldn’t recommend Simon and Unividiual enough. Thank you for everything!
We’ve just breathed a large sigh of relief, having secured our first mortgage thanks to the help of Unividual financial advisor Simon Hicks. Both myself and my partner are unconventional...
We’ve just breathed a large sigh of relief, having secured our first mortgage thanks to the help of Unividual financial advisor Simon Hicks. Both myself and my partner are unconventional financial cases so in turn were expecting a complicated slog, but Simon’s knowledge and diligence pushed things over the line in record speed and with minimal fuss. We would highly recommend Simon to anyone venturing into the intimidating world of first home buying (as he was recommended to us by friends), he was brilliant.
We can not recommend Simon Jones and Unividual highly enough. I’m afraid he had an uphill start as we had bad experiences of old school” advisers. He took pains to allay all our fears...
We can not recommend Simon Jones and Unividual highly enough. I’m afraid he had an uphill start as we had bad experiences of old school” advisers. He took pains to allay all our fears. We were fast approaching retirement with little understanding of the benefits and pitfalls of the pensions and products we had in place. After several meetings Simon had a full understanding of our hopes and the products we had. He was able to recommend alternatives that better fulfilled our requirements and overall left us feeling confident about our future which we hadn’t previously. He has also arranged for our wills to be written which had been a “round-to-it” for a very long time. We are in a much better position all round.
When planning for our retirement, Simon Jones created projections for us and looked at how we were managing our pension...
When planning for our retirement, Simon Jones created projections for us and looked at how we were managing our pension funds. Simon has exceeded my expectations and I am looking forward to continuing working with him in the future. It would be difficult to improve the level of service that Simon gave during this pandemic.
We had house sale proceeds to invest, Simon Jones patiently took me through a range of different options for long term...
We had house sale proceeds to invest, Simon Jones patiently took me through a range of different options for long term financial planning. Being quite new to investments, and working with a financial adviser, I really appreciated his approach. I would highly recommend to anyone looking to either invest or get general advice, whether you are a new or experienced investor. I have now got a portfolio of ethical investments that is being managed, I have just confirmed initial investments so can’t review in terms of financial performance, but feel very happy with the service provided.
