2024/25 Tax Tables: A Guide to the New Tax Year

Get your head around the 2024/25 tax tables and prepare for the new financial year in style.

What is a tax allowance and how does it work?

Let’s face it not many people LOVE tax! Whilst an important part of society, taxes require individuals and businesses to contribute a portion of income or profits to the government, to fund government spending and various public expenditures. The money collected through taxes is used to pay for things like public services (healthcare, education, infrastructure) and social security. Taxes come in various forms, including income tax on earnings, VAT (Value-Added Tax) on purchases, corporation tax on business profits, and council tax for local services, among others.

The principle behind taxation is to distribute the cost of providing essential services and infrastructure across the population, based on their ability to pay. For example, income tax is often progressive, meaning the more someone earns, the higher the percentage of their income they pay in tax. This system aims to ensure fairness, with the burden of funding public services shared according to financial capability.

In the UK, the tax system is administered by HM Revenue & Customs (HMRC), which collects taxes, pays some forms of state support, and helps ensure the tax law is applied fairly. The system is quite complex, with various allowances, exemptions, and rates that can apply depending on individual circumstances.

Tax creates a feeling of financial burden but tax allowances are used to create a more equitable tax system, supposedly helping to ensure the tax burden is distributed evenly across different income levels. This means it is an important part of planning someone’s finances. Here we explore the 2024/25 tax tables so you can prepare for the new financial year, which starts on April 6th, and leverage key tax allowance changes. They have also recently been updated since the events of the Spring Budget 2024, which was held on 6th March 2024, you can read about any changes in our Guide to the Spring Budget 2024. Tax tables outline the rates for different types of taxes and are designed to make it easier for individuals and businesses to calculate their tax liabilities and helping taxpayers understand their financial obligations so they can plan accordingly. It’s important for taxpayers to refer to the most current tax tables when calculating their taxes, as rates and bands may change from year to year.

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Personal Tax Allowances and Income Tax

The personal allowance is set to remain the same as it was in the previous tax year. Similarly, the threshold for basic and higher rate tax bands will not change. However, the threshold for additional rate taxpayers will lower from £150,000 to £125,140. If you earn over the threshold for additional rates, this means you will start paying more tax sooner than before.

The 2024/25 income tax rates for Britain are:

Personal Allowance: 0% tax on earnings up to £12,570.
Basic Rate: 20% tax on earnings between £12,571 and £50,270.
Higher Rate: 40% tax on earnings between £50,271 and £125,140.
Additional Rate: 45% tax on earnings over £125,140.
Blind Person’s Allowance: £3,070 (increased from £2,870).
Rent a room relief (£7,500), trading income (£1,000) and property income (£1,000) all remain the same as last year.

A few key important things of note when planning your finances

If you earn over £100,000, your personal allowance will be reduced by £1 for every £2 over the limit you earn. This means if you earn over £125,140, your personal allowance will be £0.
Married couple’s and civil partners allowance reduced by £1 for £2 of adjusted net income over £37,000 until minim reached.
£1,260 of the personal allowance can be transferred to a spouse or civil partner who is no more than a basic rate taxpayer, where both spouses were born after 5 April 1935.

The 2024/25 income tax rates for Scotland are:

Income tax rates for people living in Scotland have seen some changes. From April 6th 2024 tax bands witness a rise in the starting point for income tax payments. Plus there will be an introduction of a new “advanced” rate tax band of 45% applied on income above £75,000 to £125,140.

Personal Allowance: 0% tax on earnings up to £12,570.
Starter Rate: 19% tax on earnings between £12,571 and £14,876.
Basic Rate: 20% tax on earnings between £14,877 and £26,561.
Intermediate Rate: 21% tax on earnings between £25,562 and £43,662.
Higher Rate: 42% tax on earnings between £43,663 and £75,000.
Advanced Rate: 45% tax on earnings between £75,001 and £125,140.
Top Rate: 48% tax on earnings above £125,140.

In Scotland the personal allowance is also reduced by £1 for every £2 earned over £100,000.

Dividend allowance for 2024/25

Dividends allowance at 0% for all individuals up to £500, this is a decrease from £1,000 from last tax year. Tax rates on dividend income:

Basic Rate: 8.75%
Higher Rate: 33.75%
Additional Rate: £0

Get your head around the 2024/25 Personal Savings Allowances and ISA limits

The Personal Savings Allowance (PSA) allows individuals to earn interest on their savings without paying tax on it, up to certain limits. When it comes to tax on savings income there is a starting rate of 0% on income up to £5,000. However, this is not available if taxable non-savings income exceeds the starting rate band. Then following that the allowances are as follows:

1. Basic Rate Taxpayers: eligible for a Personal Savings Allowance of up to £1,000 for the tax year 2024/2025. This means someone can earn up to £1,000 in interest on their savings without paying any tax on it.

2. Higher Rate Taxpayers: those in the higher rate tax band have a lower Personal Savings Allowance. For the new tax year the allowance is £500.

3. Additional Rate Taxpayers: Additional rate taxpayers do not have a Personal Savings Allowance. This means that all the interest they earn on their savings may be subject to tax.

It’s important to note that the Personal Savings Allowance applies to interest income from savings accounts, bank accounts, credit union accounts, and certain other types of interest-bearing accounts. It does not cover income from investments such as dividends or rental income.

Individual Savings Accounts Allowances (ISAs and JISAs)

TOP TIP: The Personal Savings Allowance is a reason why it is so important that people should make the most of tax-free investments such as an Individual Savings Accounts (ISAs), where interest earned on savings is held tax-free.

Individuals can save up to £20,000 a year in to an Individual Savings Account (ISA), there are Cash ISAs and Stocks and Shares ISAs for longer term saving. If you are saving for children you can contribute up to £9,000 in to a Junior ISA (JISA) or in to a child trust fund.

As announced at the Spring Budget 2024, the government will introduce a new British ISA with its own allowance of £5,000 a year. The government will consult on the details at a later date. This will mean that someone could invest £20,000 in to any ISA, £5,000 in to a British ISA and £9,000 in to a children’s ISA per child.

Keep in mind that tax rules can change, and it’s always a good idea to check the latest information from HM Revenue & Customs (HMRC) or consult with a professional to ensure you have the most accurate and up-to-date details regarding the Personal Savings Allowance and other tax regulations.

Further Reading: How to pay less tax: utilise your tax allowances

Pension tax relief: The Annual Allowance and Lifetime Allowance 2024/25

A pension annual allowance refers to the maximum amount of money you can contribute to your pension funds in a given tax year while still receiving tax relief. The annual allowance applies to defined contribution pension schemes, where contributions are made by individuals and/or their employers. It also applies to defined benefit pension schemes, where the pension amount is based on factors like salary and length of service. For the 2024/25 tax year the pension annual allowance remains unchanged at £60,000 and the charge on excess is at applicable tax rates on earnings. This allowance is reduced by £1 for every £2 of adjusted income, over £260,000, to a minimum of £10,000, subject to a threshold income over £200,000.

From 2023/24 and 2024/25 the lifetime allowance charge has been abolished on high pensions savings. This could change in the future. The maximum tax-free pension lump sum is £268,275, unless a higher amount is “protected”.

What will replace the lifetime allowance?

With the lifetime allowance being removed April 6th 2024, it doesn’t mean there are no limits on the amount of pension savings people can take without a tax charge. The lifetime allowance is being replaced by new allowances:

The lump sum allowance: £268,275.
Lump sum and death benefit allowance: £1,073,100, equivalent to the current lifetime allowance.

From 6 April it will no longer be possible to pay a lifetime-allowance excess lump sum. This complicates pension planning for sure, especially for people who had a benefit cyrstallisation event before 6th April 2024. If people took some benefits before 6 April 2024 but took less than the maximum amount of, tax-free cash, it might be worth applying for a certificate. HMRC provides more information about the right to apply for a certificate and when it might be useful. There are also changes to overseas transfer rules, including the introduction of a new “overseas transfer allowance”, equal to the member’s lump sum and death benefit allowance.

It is crucial employers understand the effect these changes have on pension scheme rules especially for high earners, around pension top ups and life cover provisions. The lump sum and death benefit allowance makes it still possible for lump sum death benefits to trigger a charge to income tax if they are paid from a registered pension or lump sum death benefit scheme. These changes mean that you need to be more conscious about the treatment of pensions both from a tax free lump sum and a death benefits point of view.

Money Purchase Allowance

The money purchase allowance is a reduced annual allowance for contributions made to defined contribution pension schemes and was introduced to limit the amount of tax relief someone can receive when they have already begun drawing income from their pension. The allowance for 2024/25 is £10,000. This means that once an individual flexibly accesses their pension savings, their annual allowance for contributions to defined contribution pension schemes is reduced to £10,000 from the standard annual allowance of £60,000.

State Pensions

The UK state pension is a regular payment provided by the government to individuals who have reached the eligible age, you can check your state pension age online. The full state pension amount is subject to change and is determined by the government. Individuals who have not contributed the required number of years may receive a reduced state pension. The new state pension system was introduced in April 2016, replacing the previous basic state pension. The new system is designed to be simpler and is based on an individual’s National Insurance record.

Basic state pension for a single person: £8,814 per year (£169.50/wk)
Basic state pension for a spouse or civil partner: £5,283
New state pension: £11, 502.40 per year (£221.20/wk)

It’s important to note that pension policies and regulations can change, and the information provided here is based on knowledge as of the date of this article. For the most up-to-date and specific details about the UK state pension, including the current state pension age and benefit amounts, it is recommended to check with the official government sources.

Speaking to a professional will ensure you understand rules in and around carry forward to make the most of tax free allowances.

Other high risk tax incentivised investments 2024/25

Another way of investing tax efficiently is via Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCTs). An EIS portfolio provides investors with direct ownership of shares in early-stage companies focused on achieving substantial growth over the medium to long term. In the 2024/25 tax year someone can invest up to £2,000,000 a year and receive 30% income tax relief on invested amounts. Additionally gains from successful companies are exempt from capital gains tax and loss relief is applicable for failures. The first million someone invests in to an EIS can be in to any type of EIS, however the 2nd million has to be in a knowledge-intensive company. As you can see there are a lot of complications and risk with this level of investment which is why it is best that this forms part of a wider financial plan.

VCTs are publicly listed companies on the London Stock Exchange that invest in the shares of a diverse array of small early-stage companies. Investors buy shares in the listed company (the VCT), gaining access to the extensive and diversified portfolio developed by the VCT over time. The VCT consistently makes new investments in start-ups, resulting in varying stages of growth for the portfolio’s companies. Like EIS an investor can claim 30% of the value of their investment off their income tax bill. The maximum you can invest in a single tax year in to a VCT is £200,000. Because there are a larger number of companies in a VCT portfolio, there is more balance between losses and gains so a VCT is often referred to as more stable than an EIS portfolio. However, it remains a very high-risk investment so it is crucial you get financial advice for this level of investment. For example, many people won’t know you need to keep your shares for at least three years and five years respectively.

Stamp Duty and Scotland Land and Buildings Transaction Tax

In regards to stamp duty, regulations vary based on your location within the UK, England and Northern Ireland, Scotland, or Wales, or if you are a non-UK resident. If you need assistance or guidance on stamp duty matters, feel free to reach out to us.

For the UK and Ireland, Stamp Duty Land Tax for main residences is as follows until March 31st, 2025

Property purchase price below £250,000: 0%
Property purchase price between £250,001 and £925,000: 5%
Property purchase price between £925,001 and £1,500,000: 10%
Property purchase price over £1,500,000: 12%
Enveloped* properties purchased for over £500,000: 15%
First time buyer property purchase price below £425,000: 0%
First time buyer property purchase price between £425,001 to £625,000: 5%

*This is for residential properties bought by companies

Stamp Duty for Commercial Property

Property purchase price below £150,000: 0%
Property purchase price between £150,001 and £250,000: 2%
Property purchase price over £250,000: 5%

After the UK’s departure from the EU, the Government introduced Freeports as a pivotal element in its economic strategy. The objective is to foster job creation, enhance international trade, contribute to regional development, and establish multiple centres for innovation. Areas granted Freeport status will enjoy advantages such as tax reliefs, for example there is a 0% stamp duty charge for commercial property in a freeport investment zone in England.

Scotland Land and Buildings Transaction Tax on Residential Property

Property purchase price below £145,000: 0%
Property purchase price between £145,001 and £250,000: 2%
Property purchase price between £250,001 and £325,000: 5%
Property purchase price between £325,001 and £750,000: 10%
Property purchase price over £750,000: 12%
First time buyers: 0% on the first £175,000

Scotland Land and Buildings Transaction Tax on Commercial Property

Property purchase price below £150,000: 0%
Property purchase price between £150,001 and £250,000: 1%
Property purchase price over £250,000: 5%

Wales Land Transaction Tax on Residential Property

Property purchase price below £225,000: 0%
Property purchase price between £225,001 and £400,000: 6%
Property purchase price between £400,001 and £750,000: 7.5%
Property purchase price between £750,001 and £1,500,000: 10%
Property purchase price over £1,500,000: 12%

Wales Land Transaction Tax on Commercial Property

Property purchase price below £225,000: 0%
Property purchase price between £225,001 and £250,000: 1%
Property purchase price between £250,001 and £100.000,000: 5%
Property purchase price over £100,000,000: 6%

Stamp Duty for additional properties, residential and all corporate residential properties

Property purchase £40,000 or more:

Stamp Duty Land Tax England and Northern Ireland: add 3% to rates
Scotland Land and Buildings Transaction Tax: add 6% to rates
Stamp Duty Land Tax England and Northern Ireland: add 3% to rates

As announced at Spring Budget 2024, the government will introduce legislation in Spring Finance Bill 2024 abolishing Multiple Dwellings Relief. This change will come into effect for transactions with an effective date on or after 1 June 2024. Transitional rules mean that MDR can still be claimed for contracts which are exchanged on or before 6 March 2024, regardless of when completion takes place.

Company & Business Owner Taxes

There are five key areas that UK business owners should be aware of when it comes to tax thresholds:

1. Corporation Tax : paid to the government by UK companies and foreign companies with UK offices. It is calculated based on profits in the following way:

Profits up to £50,000: 19%
Profits from £50,001 to £250,000: 26.5%
Profits over £250,001: £25%

2. Research & Development Tax Credits: The government will allow businesses to subtract money they invest in IT and plant machinery equipment from the profits they pay corporation tax on for the next three years.

3. Dividend Tax Rates and Thresholds: If you receive income from dividends, it is crucial to note that the tax-free dividend allowance is going to halve to £500 in the 2024/2025 tax year. Rates are as follows:

Dividends rates for basic rate taxpayers: 8.75%
Dividends rates for higher rate taxpayers: 33.75%
Dividends rates for additional rate taxpayers: 39.35%

4. Value Added Tax: VAT standard rate is 20%. The VAT registration level will go up to £90,000 from 1 April 2024, while the de-registration level will rise to £88,000. Domestic fuel is 5%, installation of energy saving materials (except Northern Ireland) 0%. Also note that the flat rate scheme turnover limit is £150,000 and the cash and annual accounting schemes turnover limit is £1,350,000.

As announced at Autumn Statement 2023, full expensing and the 50% first-year allowance for special rate assets were made permanent. Expenditure on plant or machinery for leasing is excluded from these allowances.

The government will shortly publish draft legislation for technical consultation to help it consider any potential extension to include plant and machinery for leasing, which is subject to future decision.

5. Additional tax relief for expenditure on visual effects

As announced at Autumn Statement 2023, the government will give additional tax relief to visual effects costs in films and high-end TV. Under the Audio-Visual Expenditure Credit, visual effects costs will receive tax credit at a rate of 39%. The 80% cap on qualifying expenditure will also be removed for visual effects costs. The changes will take effect from 1 April 2025.

5. 2023/24 Trustee’s Income: For trust income up to £500 dividends is 39.35% and other income is 45%

Planning for tax is a crucial aspect of managing a business and there are some key strategies that business owners can consider for effective tax planning. It isn’t just about understanding your tax obligations, taking advantage of reliefs or whether you are utilising your allowable business expenses. Have you considered also the tax implications of your structure and whether it aligns with your business goals? Have you efficiently structured your payroll and employee benefits? Are you unsure of what to do with spare cash, perhaps you have never explored tax-efficient investment options? Then there is the big question, what about the future of your business and what are the tax implications of your succession plan? There is so much opportunity for planning your finances tax efficiently that is probably untapped in your business.

Podcast: Tax Efficient Business planning

National Insurance Contributions 2024/25

Class 1 National Insurance Contributions (NIC) rates are:

Employees NIC: 8% (It was 10%, from 6th January 2024 after a reduction from 13.8%)
Employers NIC: 13.8%
Employment allowance: £5,000 – per business, not available if sole employee is a director or employer’s NICs for 23/24 are £100,000 or more.
There is no NIC on first £242 per week (employee) and £175 per week (employer). Then the main rate is charged up to £967 per week for an employee and there is no limit for an employer. There is a 2% rate for employees on earnings above £967 per week.
There is nil rate of employer NIC on earnings up to £967pw for employees aged under 21, apprentices aged under 25 and ex-armed forces personnel in their first twelve months of civilian employment.

Class 2 (self-employed) NIC rates are:

Starting April 6, 2024, self-employed individuals earning over £6,725 are no longer obligated to make payments for Class 2 National Insurance Contributions (NICs). However, they will still be eligible for contributory benefits, including access to the State Pension. This represents a significant saving for the average self-employed person earning £28,000, who will see an annual saving of £650. These measures significantly benefit personal finances, particularly for self-employed individuals, the reduction in NIC rates directly increases the take-home pay of self-employed professionals, providing more financial flexibility. These changes underscore a significant shift in tax policy, aimed at supporting self-employed individuals and stimulating employment and economic activity in the UK.

TOP TIP: Those with profits under £6,725 pay Class 2 NICs voluntarily to get access to contributory benefits including the state pension. The amount is £3.45 per week.

Class 3 NIC rate is a voluntary contribution at a flat rate of £17.45 per week.

Class 4 Starting from 6 April 2024, the main rate of Class 4 National Insurance Contributions (NICs) for self-employed individuals will be decreased from 9% to 6% on self-employed profits from £12, 570 to £50, 270. Over this there is a 2% rate.

It’s important for individuals to regularly review their National Insurance records, understand their entitlement to the State Pension, and explore options to fill any gaps in contributions. Seeking advice from pension advisors or the government’s Pension Service can provide personalized guidance based on individual circumstances. Additionally, pension rules and regulations can change, so staying informed about updates is crucial for effective retirement planning.

Utilising family tax allowances to become more tax efficient in 2024/25

Family allowances contribute to tax efficiency by providing families with opportunities to reduce their overall tax liability. This can include deductions for dependent children, education-related expenses, and other family-specific tax benefits. The marriage allowance, for example, is a transferable allowance that enables married couples to transfer part of their personal allowance to one another, as long as the recipient is not liable to pay higher or additional tax rates.

Marriage allowance will remain the same as the 2023/24 tax year. However, married couple’s and civil partner’s allowance at 10% will rise to £11,080. The allowance is reduced by £1 for every £2 of adjusted net income over £37,000, this is an increase from last year of £34,600, until the minimum is reached.

The marriage/civil partner’s transferrable allowance is £1,260 and the married couple’s/civil partner’s allowance minimum is £4,280 (was £4,010 in 2023/24), whilst the maximum is £11,080 (increased from £10,375 in 2023/24).

High income child benefit charge

The High Income Child Benefit Charge (HICBC) is a tax charge introduced to gradually reduce the amount of child benefit received by higher-income individuals or households. Child benefit is a government payment provided to eligible parents or guardians to support the cost of raising children.

If an individual or their partner earns over a certain threshold, the HICBC will apply. In the 2024 Spring Budget it was announced that this threshold was increasing from £50,000 to £60,000 from April 2024. For every £100 of income above the threshold, 1% of the child benefit received is withdrawn.

In addition, Jeremy Hunt also announced that the rate at which the HICBC is charged will also be halved from 1% of the Child Benefit payment for every additional £100 earnt above the threshold, to 1% for every £200. This means Child Benefit will not be withdrawn in full until individuals earn £80,000 or higher. Acknowledging concerns about the current fairness of the High Income Child Benefit Charge (HICBC), the government has noted the disparities in its application. For example, a household with two earners each making £49,000 (totaling £98,000) isn’t subject to the HICBC, whereas a single earner household exceeding £50,000 is. To address this issue, the government intends to shift the administration of the HICBC to a household basis instead of an individual one by April 2026. Further consultations on this change will be announced in due course.

Finally, it is important to note that the HICBC is based on an individual’s income and not household income. Hence, even if only one individual in the household earns above the threshold, the HICBC may apply.

Inheritance & Capital Gains Tax Rates in 2024/25

We understand there is a reluctance and discomfort associated with planning for death and this can be attributed to various psychological, cultural, and societal factors. Death is one of life’s greatest uncertainties, evoking fear and discomfort and different cultures have varying beliefs surrounding this part of life. End of life matters are emotionally distressing and the human natural tendency to avoid unpleasant thoughts makes financially planning for this something many people put off. Despite these challenges, there are benefits of engaging in end-of-life planning because it allows individuals to make decisions aligned with their preferences, provide for loved ones, and alleviate the burden on family members during difficult times. A key part of this is understanding the tax implications a death has on people inheriting wealth. Here is a summary of the 2024/25 inheritance tax rates:

Inheritance Tax Rate for estates: 40%, or 36% if 10% or more of an estate is left to charity.
Rate for lifetime transfers to and from certain trusts: 20%
Nil-rate band limit: £325,000
Residence nil-rate band limit: £175,000
Overseas domiciled spouse/civil partner exemption: £325,000
Annual exempt gifts: £3,000 per donor, £250 per donee

Key tips when it comes to tax efficient inheritance planning

Up to 100% of the unused proportion of a deceased spouse’s/civil partner’s nil-rate band and/or residence nil-rate band can be claimed on the survivor’s death.
For estates over £2,000,000 the value of the residence nil-rate band is reduced by 50% of the excess over £2,000,000.
There is 100% relief for businesses, unlisted/AIM companies and some farmland/buildings. There is also a 50% relief of certain other business assets.
There is a tapered tax charge on lifetime gifts between 3 and 7 years of death. Years 0 to 3 full 40% rate, then 8% less for each year until 0% at 7 or more years.

Capital Gains Tax for 2024/25

Capital gains tax (CGT) is levied on the profit earned from the sale of an asset that has increased in value over time. This tax is applied to the difference between the sale price of the asset and its original purchase price, this is known as the capital gain. Tax can arise from the sale of various assets, such as stocks, real estate, and other investments.

Capital Gains Tax annual exempt amount for individuals: £3,000 (a reduction from £6,000 in 2023/24)
Capital Gains Tax annual exempt amount for most trustees: £1,500 (a reduction £3,000 in 2023/24)
Basic rate taxpayer: 10%
Higher & additional rate taxpayer: 20%
Trusts and estates: 20% (unchanged from previous year)
Surcharge for residential property and carried interest: Remains at 8%
The higher rate of capital gains tax for residential property disposals, will be cut from 28% to 24%. The lower rate will remain at 18% for any gains that fall within an individual’s basic rate band. The tax information and impact note for this measure provides more information.
Gains subject to business asset disposal relief (BADR): 10%
Lifetime limit on qualifying gains: £10,000,000

While Capital Gains Tax is primarily concerned with the transfer of assets, it’s important to coordinate inheritance planning with Inheritance Tax considerations. Inheritance planning involves complex tax considerations, and seeking advice from tax professionals, financial planners, or solicitors is crucial. They can help navigate the complexities of Capital Gains Tax, Inheritance Tax, and other relevant tax implications.

Extra reading: Guide to Inheritance

Get ahead in life by making the most of tax efficient financial planning

Whether you manage your own finances or you have an adviser to manage your finances, tax-efficient planning is a crucial component of an overall financial plan. It strategically manages your financial affairs to minimise the impact of taxes. Here’s how tax planning fits into the broader framework of your financial strategy:

1. Maximising income and minimising deductions: If you or your financial adviser can identify opportunities to increase tax-efficient income, like using reliefs and tax thresholds you can reduce the impact tax has on your finances.

2. Investment Planning: Choosing tax-efficient investment strategies minimise capital gains and income taxes.

3. Estate Planning: Structuring your estate in a tax-efficient manner can minimise inheritance taxes and the right financial products can ensure you transfer wealth down to other generations tax efficiently.

4. Retirement Planning: Contributing to tax-advantaged retirement accounts to reduce current taxable income. Strategically withdrawing funds during retirement to manage tax liability.

5. Business and Employment Decisions: Structuring business activities to take advantage of tax reliefs and making the most of tax thresholds, along with considering the tax implications of employment decisions, such as stock options or benefits.

6. Education Planning: Utilising family related tax credits and tax efficient savings accounts when it comes to saving for children and for their education.

7. Charitable Giving: Using tax reliefs available to you for charitable contributions.

By integrating tax planning into your overall financial plan, you can potentially reduce your tax liability, increase your income after tax and make the most of your financial resources. If you want to work with a financial adviser who can provide valuable insights and help tailor strategies to your specific financial situation and goals you can find out more about our work by reading some client financial advice case studies or fill in one of our contact forms below.

For more information, or advice from our team, contact us today.

Author & Editor: Cherie-Anne Baxter, Marketing Director

Date Written: 21st February 2024

Date Updated: 21st March 2024

Risk Warnings:

For ISA’s Investors do not pay any personal tax on income or gains but ISAs do pay unrecoverable tax on income from stocks and shares received by the ISA manager . Tax treatment varies according to individual circumstances and is subject to change.

Enterprise Investment Schemes (EIS) & Venture Capital Trusts (VCT) invest in assets that are high risk and can be difficult to sell.

The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

Tax treatment varies according to individual circumstances and is subject to change.

Succession Planning, Inheritance Tax Planning & Estate Planning are not regulated by the Financial Conduct Authority

Approver Quilter Financial Limited 05/03/2024

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Tristian, Sutton

27 January 2023: We have been with Unividual for many years after getting a recommendation from a friend. Lewis Baxter is our financial advisor and we could not be happier with the service he...

27 January 2023: We have been with Unividual for many years after getting a recommendation from a friend. Lewis Baxter is our financial advisor and we could not be happier with the service he gives us. He has helped in all aspects of our finances and is extremely knowledgeable and up to date on the ever changing rules and legal requirements of the financial world. Lewis is always very personable and reliable whenever we request or hold a meeting and answers all questions in ‘layman’s terms’ so we completely understand every aspect. We have recommended Lewis and Unividual to lots of friends who have been equally impressed with the service they have received.

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James, Reading

26th January 2023: I can’t recommend Lewis and Alex, and the team from Unividual highly enough. They have helped me with my retirement planning, life and health cover. Nothing is ever too...

26th January 2023: I can’t recommend Lewis and Alex, and the team from Unividual highly enough. They have helped me with my retirement planning, life and health cover. Nothing is ever too much trouble and Lewis and the team are always on hand to help. They are extremely good at explaining the minefield of financial jargon and making sense of what, I for one, found a confusing and complex area to understand and helping me make what could be considered difficult decisions easy. If you are looking for a financial planner, look no further. I have recommended Lewis and Unividual to a number of friends who have all taken their advice.

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Melanie, Weston-super-Mare

26 January 2023: We have worked with Lewis and his team at Unividual for many years now, both with business and personal finances. The service is first rate on every level. The whole team always...

26 January 2023: We have worked with Lewis and his team at Unividual for many years now, both with business and personal finances. The service is first rate on every level. The whole team always work really hard to get info across, chase updates and keep you informed at every stage. Lewis has taken the time to get to know how we like to work and the type of investment we feel comfortable with and that works best for us. So pleased to have Unividual looking after us.

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Charles, Bristol

8 February 2023: I have not used a financial adviser for a long time and have to say my previous experience has been less than favourable. My wife contacted Simon, a financial adviser in Bristol...

8 February 2023: I have not used a financial adviser for a long time and have to say my previous experience has been less than favourable. My wife contacted Simon, a financial adviser in Bristol, to discuss, amongst other things, a final salary pension. I was happy for the two of them to get on with it, but Simon suggested that as we viewed our finances jointly, I should be part of the conversation. I had some cash saved in an ISA that I had held for a number of years. In light of inflation rising to levels unseen for decades, I asked Simon if he had any suggestions what I could do with my cash to reduce the impact of inflation. After spending time understanding my view on risk he asked if I had any specific ethical or social views that might impact on investments. My wife and I are massive animal lovers and were I to make any investment it was important to me that animal welfare was high on the agenda. Simon was able to recommend a socially responsible fund that targets a return in excess...

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Christobel, Battersea

17 February 2023: Lewis Baxter and the financial advice team in London Paddington are fabulous – they’ve taken the time to help me understand how best to invest and the right time to...

17 February 2023: Lewis Baxter and the financial advice team in London Paddington are fabulous – they’ve taken the time to help me understand how best to invest and the right time to do so and they’re always available to answer any questions. I was introduced through a friend and I would definitely recommend.

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Max, Northampton

14 April 2023: I recently started a business relationship with Unividual and primarily my chartered London financial advisor Alex Caswell. I can thoroughly recommend him and the company. I am...

14 April 2023: I recently started a business relationship with Unividual and primarily my chartered London financial advisor Alex Caswell. I can thoroughly recommend him and the company. I am a new investor and he has made the process incredibly easy and enjoyable, spent many hours researching and discussing options with me and he is always available. Would certainly recommend to friends and family.

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Eileen, Somerset

19 January 2023: Simon Jones at Unividual is very patient and considerate. At a very difficult time for us, he took time to ask, listen & investigate in order to really help us understand...

19 January 2023: Simon Jones at Unividual is very patient and considerate. At a very difficult time for us, he took time to ask, listen & investigate in order to really help us understand our priorities and plan for them in the most effective way. I would have no hesitation recommending his services. He is clear, rational, sensible and beyond helpful. And he totally respects our views & ideas, as he has taken the time to understand what makes us tick and our attitude to risk.

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Raj, Reading

3rd June 2023: I wanted a London based Financial Adviser to put some Private Medical Insurance in place for myself and chose to work with Alex Caswell from Unividual. He’s been great and really...

3rd June 2023: I wanted a London based Financial Adviser to put some Private Medical Insurance in place for myself and chose to work with Alex Caswell from Unividual. He’s been great and really friendly, researching and talking me through all the options available to me. I’ve now got cover in place and have a great relationship with Alex, no doubt I’ll continue to work alongside him.

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Tom, Putney

1st June 2023: Excellent experience with Alex Caswell, London financial adviser at Unividual. He was very knowledgeable and clear when it came to explaining different available options and...

1st June 2023: Excellent experience with Alex Caswell, London financial adviser at Unividual. He was very knowledgeable and clear when it came to explaining different available options and I look forward to continuing to work with him. Would thoroughly recommend.

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William, Frome

5 February 2023: We used Simon at Unividual, a financial adviser in Bath, to review pension provision. His advice was excellent. I would highly recommend his services.

5 February 2023: We used Simon at Unividual, a financial adviser in Bath, to review pension provision. His advice was excellent. I would highly recommend his services.

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Emma, Bristol

6th February 2023: Simon Jones has helped myself and my husband more than I could imagine. We are currently re-mortgaging, Simon has helped us make better financial decisions towards our future...

6th February 2023: Simon Jones has helped myself and my husband more than I could imagine. We are currently re-mortgaging, Simon has helped us make better financial decisions towards our future and was able to explain everything every step of the way, making us feel confident in our decisions and educating us to make better informed decisions in the future. Professional, friendly, expert advise, would not hesitate to recommend to any of my friends and family.

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Susan, Radstock

29th September 2022: For the attention of Simon jones, regarding his high standards. He was so helpful and was amazing at making me understand everything he was explaining to us regarding our...

29th September 2022: For the attention of Simon jones, regarding his high standards. He was so helpful and was amazing at making me understand everything he was explaining to us regarding our finances. He was very efficient, well mannered and very explanatory. He made it all very easy to understand and I would like to thank him personally.

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John H, Bristol

29 September 2022: Simon Jones is exceptional to work with, constantly going that extra mile. His professional, calm, friendly manner along with his financial expertise and guidance has instilled...

29 September 2022: Simon Jones is exceptional to work with, constantly going that extra mile. His professional, calm, friendly manner along with his financial expertise and guidance has instilled client confidence, my trust and peace of mind in a complex and sometimes bewildering financial market. Thank you Simon.

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Vikash, Hertfordshire

27 September 2021: Working in finance I have little time to plan my own finances. What Simon has done for me and my family has ensured our current situation, and our futures, are secured and...

27 September 2021: Working in finance I have little time to plan my own finances. What Simon has done for me and my family has ensured our current situation, and our futures, are secured and protected. This has meant I can concentrate on my own work knowing everything is in good hands. Simon has helped us with our Wills, mortgage, life and critical illness insurance, pensions, investments and estate planning. We chat and meet regularly to discuss our ever changing needs and he’s always available and ready to help. Highly recommend him as a very experienced and knowledgeable Financial Adviser

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Jeremy, Bristol

13 September 2021: My wife and I have been working with Simon Jones for just under two years and are very pleased with the service he has provided. During our time working with Simon he has provided...

13 September 2021: My wife and I have been working with Simon Jones for just under two years and are very pleased with the service he has provided. During our time working with Simon he has provided us with the peace of mind of knowing that should anything happen to me or my wife then our family is protected, helped us ensure that we are getting the best mortgage interest rate and started a plan for a financially secure future. I like to think I am pretty clued up when it comes to investments but with a busy job and a young family it’s not always easy to find the time to do the research required. Simon has taken over the management of our personal pensions and the savings for our two sons. This not only frees up my time but given his technical knowledge means that they are in safe hands. Following a recent annual review we have been very pleased with the results, particularly given the global events of the past 18 months. Thank you Simon

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Jonathan, Bristol

11 September 2021: We dealt with Simon Jones of Bristol pension advisers Unividual to look at all of our finances, investments, pensions and insurances. He was extremely thorough and worked patiently...

11 September 2021: We dealt with Simon Jones of Bristol pension advisers Unividual to look at all of our finances, investments, pensions and insurances. He was extremely thorough and worked patiently to fully understand everything we needed as well as our future ambitions before reviewing our position and recommending any changes. We did everything piece by piece and he was very impartial, only making recommendations where he felt we could improve. As a result we have saved money on policies and improved our position with regard to pensions and other investments. I would highly recommend Simon to anyone looking to use a financial adviser.

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Susan, Radstock

10 September 2021: For the attention of Simon jones regarding his high standards. He was so helpful and was amazing at making me understand everything he was explaining to us regarding our finances...

10 September 2021: For the attention of Simon jones regarding his high standards. He was so helpful and was amazing at making me understand everything he was explaining to us regarding our finances, also from Peter, Simon Jones was very efficient, well mannered. Very explanatory he made it all very understanding and I would like to thank him personally.

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John, Bristol

10 September 2021: Simon Jones is exceptional to work with, constantly going that extra mile. His professional, calm, friendly manner along with his financial expertise and guidance has instilled...

10 September 2021: Simon Jones is exceptional to work with, constantly going that extra mile. His professional, calm, friendly manner along with his financial expertise and guidance has instilled client confidence, my trust and peace of mind in a complex and sometimes bewildering financial market. Thank you Simon. If you would like to know more about what our Bristol financial advisers get up to, we have a blog about them teaming up with a charity that helps parents give money lessons at home.

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Claire, Bristol

8th September 2021: I was introduced to Simon Jones after an extremely helpful telephone consultation with Team Leader Ruth Stainer who after discussing my requirements introduced me to Simon...

8th September 2021: I was introduced to Simon Jones after an extremely helpful telephone consultation with Team Leader Ruth Stainer who after discussing my requirements introduced me to Simon Jones. Simon Jones is the perfect Chartered Financial Planner for me. So impressed with Simon’s expertise and knowledge. Simon is extremely professional and his easy going, friendly manner instantly made me feel comfortable. I am not that knowledgeable in finance and Simon has listened to what my goals are and has taken time to get to know me and from this great professional relationship found me the perfect products. Nothing is too much trouble, always available and Simon has a very upbeat, positive manner and I am so impressed by his professionalism.

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Jon, Bristol

7th September 2021: We dealt with Simon Jones of Unividual to look at all of our finances, investments, pensions and insurances. He was extremely thorough and work patiently to fully understand...

7th September 2021: We dealt with Simon Jones of Unividual to look at all of our finances, investments, pensions and insurances. He was extremely thorough and work patiently to fully understand everything as well as our future ambitions before reviewing our position and recommending any changes. We did everything piece buy piece and he was very impartial, only making recommendations where he felt we could improve. As a result we have saved money on policies and improved our position with regard to pensions and other investments. I would highly recommend Simon to anyone looking to use a financial adviser.

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Ashley, Somerset

1st September 2021: Thank you Simon Jones for all your hard work sorting through all 12 old pensions I held, to consolidate them all into one. I would highly recommend Simon to anyone looking...

1st September 2021: Thank you Simon Jones for all your hard work sorting through all 12 old pensions I held, to consolidate them all into one. I would highly recommend Simon to anyone looking for professional advice wanting to set up a pension. Once again thank you.

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Poonam, London

18th August 2021: Bristol Financial Adviser, Simon Hicks, was recommended to me by a friend and colleague. This has been one of the best decisions I have made, from day one he took the time to...

18th August 2021: Bristol Financial Adviser, Simon Hicks, was recommended to me by a friend and colleague. This has been one of the best decisions I have made, from day one he took the time to understand my financial position and goals. Simon Hicks is professional, knowledgeable and personable. He is patient, detail orientated, understands what the client wants and will cover a range of options whether its pensions, investments, mortgages. I’ve been introduced to a range of new products and this has created a positive shift in both my financial position and mindset. I am looking forward to continue working with Simon to achieve my financial goals and would definitely recommend his services to others going forward.

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Becci, Bristol

6 August 2021: Professional in all areas, felt fully informed on all aspects of services being offered and Simon (Jones) had an excellent way of explaining products, risks, benefits and costs. Clearly...

6 August 2021: Professional in all areas, felt fully informed on all aspects of services being offered and Simon (Jones) had an excellent way of explaining products, risks, benefits and costs. Clearly has an affinity and passion for his job and that comes across in the way he provides advice. Thanks!

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Melanie, Frome

1 August 2021: Simon Jones has supported me through setting up a pension fund and life assurance. He has the right balance of professionalism and holistic approach to what felt like an area I...

1 August 2021: Simon Jones has supported me through setting up a pension fund and life assurance. He has the right balance of professionalism and holistic approach to what felt like an area I didn’t want to acknowledge. I am super pleased with what Simon has put in place and feel more relaxed about my future finances and choices. Could not recommend his services more.

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Alun, Bristol

8 July 2021: The continued care and professionalism that we receive during regular updates goes beyond my expectations. The detail that Simon ( Jones ) has put into ensure we meet our financial...

8 July 2021: The continued care and professionalism that we receive during regular updates goes beyond my expectations. The detail that Simon ( Jones ) has put into ensure we meet our financial goals is exemplary.

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Jack, Gloucester

8 July 2021: I approached Simon Jones after looking for help managing my finances from my career as a professional rugby player. He’s looked after me incredibly well and taken the time to educate...

8 July 2021: I approached Simon Jones after looking for help managing my finances from my career as a professional rugby player. He’s looked after me incredibly well and taken the time to educate me and keeping me informed so I actually know where my moneys going and what options I have to help me in the future and when I retire from rugby. I feel at peace knowing my finances are in the safe hands of Simon and I would recommend him to anyone.

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Paul, Portishead

6 July 2021: Simon Jones is very responsive, approachable and thorough in his financial investigations and the resulting advice he provides. He has helped my wife and I sort our pensions, ISAs...

6 July 2021: Simon Jones is very responsive, approachable and thorough in his financial investigations and the resulting advice he provides. He has helped my wife and I sort our pensions, ISAs, investments and mortgages. He was able to demonstrate how we could afford to release equity from a rental property, fund our house move and realise our dream of owning a motorhome for those getaway weekends. Simon is more than an Independent Financial Advisor. He not only looks at the numbers but also looks to understand our aspirations and how to achieve them. I have worked with other IFAs in the past but Simon outshines them all. I would highly recommend him to anyone wishing to review their financial circumstances.

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Claire, Portishead

4 July 2021: My husband and I went to Simon Jones for a review of our financial position, and for assistance in planning our financial future. Simon is friendly and very thorough. He investigated...

4 July 2021: My husband and I went to Simon Jones for a review of our financial position, and for assistance in planning our financial future. Simon is friendly and very thorough. He investigated all of our pensions, ISAs and other assets, and advised how we can best utilise them all. He assessed our attitudes to risk and proposed a plan to fit our risk profile. He then put the plan into action and made all the transfers in our behalf. With Simon’s expert help, we have been able to realise our dream of owning a motorhome, and buying an amazing house with 180 degree views across the sea. This has long been a dream, and we weren’t sure that it was possible. As part of the process, Simon arranged our residential mortgage and a let-to-buy on a rental property we own, so that we are paying the best rates possible. I would highly recommend Simon! He has enabled us to live the dream!

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Tabitha, Swindon

4 July 2021: I highly recommend Unividual. I received excellent service from my advisor Simon who was courteous, professional and very knowledgeable. Simon took the time to explain things thoroughly...

4 July 2021: I highly recommend Unividual. I received excellent service from my advisor Simon who was courteous, professional and very knowledgeable. Simon took the time to explain things thoroughly and was able to answer all my questions. I was very impressed by the pensions projection spreadsheet and can see it being a very useful tool as we plan for retirement.

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Nick, Bristol

3 July 2021: Simon Hicks is always very clear, organized and generous with his time. I make better decisions and have less to worry about with Simon as my financial advisor. I would definitely...

3 July 2021: Simon Hicks is always very clear, organized and generous with his time. I make better decisions and have less to worry about with Simon as my financial advisor. I would definitely recommend!

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Joe, Bristol

2 July 2021: I would like to share the excellent service I received from Simon Hicks at Unividual. He took time to understand my financial position, long term goals and challenges in the near-term...

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Martyn, Bath

2 July 2021: Very professional, extremely helpful and more importantly for me life changing. I never realised how important good financial advice is for your health and wellbeing until I had...

2 July 2021: Very professional, extremely helpful and more importantly for me life changing. I never realised how important good financial advice is for your health and wellbeing until I had the support from Simon Jones at Unividual.

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Rachel, Bristol

1 July 2021: Simon Jones made the whole process very easy and explained everything well along the way. I now have a better understanding and feel in control of my finances. I cannot recommend...

1 July 2021: Simon Jones made the whole process very easy and explained everything well along the way. I now have a better understanding and feel in control of my finances. I cannot recommend him enough!

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Natalie, Bristol

1st July 2021: Simon Jones has provided an excellent, professional service and has been approachable and available whenever we needed him. He hasn’t tried to sell us anything that we didn’t...

1st July 2021: Simon Jones has provided an excellent, professional service and has been approachable and available whenever we needed him. He hasn’t tried to sell us anything that we didn’t need or want and has put a lot of research in to the services he has provided. Would highly recommend.

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Jamie, Bristol

30 June 2021: Simon Hicks has been advising me on my pension, investments, life cover and mortgages for 3 years now and I’m always incredibly impressed by his knowledge and professionalism...

30 June 2021: Simon Hicks has been advising me on my pension, investments, life cover and mortgages for 3 years now and I’m always incredibly impressed by his knowledge and professionalism, as well as his willingness to go above and beyond when explaining any aspect of my investments. A very well earned 5 star review, I’ve not looked back since Simon has started advising me and I couldn’t recommend him highly enough!

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Sandra, Bath

30th June 2021: We dealt with Simon Jones who was very professional and extremely knowledgeable. He helped us sort out our finances and made it possible for my husband to retire within the next...

30th June 2021: We dealt with Simon Jones who was very professional and extremely knowledgeable. He helped us sort out our finances and made it possible for my husband to retire within the next year – something we thought wouldn’t be able to happen for probably another 6yrs. He made it all so easy. We wouldn’t hesitate in recommending him again

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Nathan, Southampton

30 June 2021: Simon H. Excellent professional manner. Very informative with my options for life insurance. Made understanding an area I had little experience of very clear and I felt very confident...

30 June 2021: Simon H. Excellent professional manner. Very informative with my options for life insurance. Made understanding an area I had little experience of very clear and I felt very confident the option I choose was the correct one. Simon H is always on hand if I have a question and responds very quickly allowing me more time with my family. I would definitely recommend his services.

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Joseph, Bristol

29 June 2021: Simon Hicks has transformed my life. He is thorough and earnest. Trust in financial advice is very important to me and I can certainly vouch for Simon Hicks. I am grateful for his...

29 June 2021: Simon Hicks has transformed my life. He is thorough and earnest. Trust in financial advice is very important to me and I can certainly vouch for Simon Hicks. I am grateful for his services and very excited for our future together.

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Jack, Southampton

29 June 2021: We were looking for advice for our finances as a whole and were recommended Simon Hicks by a friend. He took care of all of our mortgage and protection needs to begin with, then...

29 June 2021: We were looking for advice for our finances as a whole and were recommended Simon Hicks by a friend. He took care of all of our mortgage and protection needs to begin with, then when we were ready we moved onto pensions and investments. His knowledge of everything was incredible. We even started talking about our wider family and their needs including estate planning and inheritance tax. He explained to us in the first meeting that he had the highest qualifications you can get in the industry, after hearing him discuss countless topics in depth, I now understand what this means. Terrific adviser and would highly recommend.

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Yvonne, Plymouth

28th June 2021: We met with Simon Hicks to discuss our retirement plans and to invest some capital we had recently received following the sale of property. His knowledge of the industry, products...

28th June 2021: We met with Simon Hicks to discuss our retirement plans and to invest some capital we had recently received following the sale of property. His knowledge of the industry, products and finance in general was very impressive. We are also extremely happy with the growth we have received and the tax we saved through investing into some more complex products. Delighted to recommend his services to everyone and anyone.

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Dan, Devon

27th June 2021: I found a lot of great reviews on Simon Hicks on VouchedFor. After meeting him I was impressed straight away. I only needed a mortgage, but he seemed to know a great deal about...

27th June 2021: I found a lot of great reviews on Simon Hicks on VouchedFor. After meeting him I was impressed straight away. I only needed a mortgage, but he seemed to know a great deal about pensions, life cover and investments too. He was able to advise on the most suitable mortgage initially, rather than just picking a standard 5 year fixed off the shelf like a mortgage broker would do. Look forward to moving on to the investing side. Have told friends and family about Simon and would always recommend.

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Callum, Exeter

26th June 2021: I was lucky enough to find Simon Hicks a couple years ago when searching for the best ways to grow my investment portfolio. Simon is also very knowledgeable about a wide range...

26th June 2021: I was lucky enough to find Simon Hicks a couple years ago when searching for the best ways to grow my investment portfolio. Simon is also very knowledgeable about a wide range of areas I hadn’t even considered. Always professional without being too formal. Would highly recommend Simon’s services for mortgages, protection, pensions and investments. He knows it all inside and out!

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Dan, Bristol

25th June 2021: Myself and my partner first met with Simon Hicks early last year, as we were looking to purchase a new home and needed assistance with our mortgage. Simon was extremely professional...

25th June 2021: Myself and my partner first met with Simon Hicks early last year, as we were looking to purchase a new home and needed assistance with our mortgage. Simon was extremely professional and transparent and a service that was much improved on finding a mortgage on my own last time around! Since then Simon has helped both myself and my partner in making sure our protection levels are all in place, at all times making sure that we understood every step of the way. I look forward to continuing our EIS* conversations in the near future! EIS means Enterprise Investment Scheme

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Jules, Bristol

26th June 2021: I contacted Unividual for advice on mortgages and had a meeting with Simon Hicks. While I didn’t end up buying a house, I was really impressed by the company and Simon in...

26th June 2021: I contacted Unividual for advice on mortgages and had a meeting with Simon Hicks. While I didn’t end up buying a house, I was really impressed by the company and Simon in particular. He knew his stuff and highlighted some financial issues that I hadn’t even thought which should save me a lot of pain in the future. I’m very glad I picked up the phone!

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Stephen, Bristol

24 June 2021: Simon Hicks at Unividual is the best financial advisor I have ever had dealings with. I go to him with complex issues and he comes back quickly with well researched, sound, and...

24 June 2021: Simon Hicks at Unividual is the best financial advisor I have ever had dealings with. I go to him with complex issues and he comes back quickly with well researched, sound, and accurate advice. I have recommended his services to multiple people and have only had positive feedback from them too.

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Ashley, Southampton

25 June 2021: Simon Hicks made sorting our finances out an absolute breeze. He explained all our options in a way that was easily understandable and made the whole process completely stress free!...

25 June 2021: Simon Hicks made sorting our finances out an absolute breeze. He explained all our options in a way that was easily understandable and made the whole process completely stress free! We immediately felt that Simon understood our circumstances and have full feeling of trust in him and his abilities that you don’t always get. I couldn’t recommend him and Unividual enough!

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Farah, Bristol

24th June 2021: Simon Hicks has been such a great help, he’s taken a lot of stress away by explaining my finances to me in a way that I can understand and it’s a huge help to have...

24th June 2021: Simon Hicks has been such a great help, he’s taken a lot of stress away by explaining my finances to me in a way that I can understand and it’s a huge help to have someone so knowledgeable looking after my money. His manner is always polite and professional, he’s always available to answer any questions I have and responds quickly to any queries. Could not recommend Simon Hicks & Unividual more highly. It’s a very well earned 5 stars from me, I would give more if I could!

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Matthew, Wiltshire

My previous financial adviser was retiring and I needed someone of equal quality to take over my affairs, I know Scott Gurd personally and I had no hesitation in asking him to look after me...

My previous financial adviser was retiring and I needed someone of equal quality to take over my affairs, I know Scott Gurd personally and I had no hesitation in asking him to look after me. In the main I was looking at pension advice and investment planning. He reviewed my circumstances, discussed my views on investment, risk etc and we had a general discussion around my existing financial portfolio and my plans for the future. Scott then ensured I looked at all the available options open to me. Have I seen the outcome I was hoping for? Yes and more, I have no complaints. Scott is technically very good and he is genuinely interested in getting his clients the best possible outcome. I am now able to retire 4 years earlier than previously planned. If you are looking for a typical salesperson Scott is not your man, most advisers push harder to get you to follow their advice. Scott however, just gave great financial advice

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Paul, Hampshire

I was looking to sell my existing property and jointly purchase a house with my partner. Scott Gurd visited my house at a time convenient to me and my partner and provided us with comprehensive...

I was looking to sell my existing property and jointly purchase a house with my partner. Scott Gurd visited my house at a time convenient to me and my partner and provided us with comprehensive information about our options. We are now clear about what to do next and Scott was fantastic.

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Rosie, Berkshire

I wanted to invest in medium term savings and make sure my pension and mortgage were the best products on the market for me. Scott Gurd helped me by ascertaining my risk level so that I chose...

I wanted to invest in medium term savings and make sure my pension and mortgage were the best products on the market for me. Scott Gurd helped me by ascertaining my risk level so that I chose the right product portfolio for my savings. I have seen the outcome I was hoping for and Scott has done everything I could want for. He’s accessible and incredibly helpful.

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Enyioma, Bristol

Simon Jones is both extremely professional and personable. He is a joy to work with and even via online meetings he is easy going and takes time to get to know you in order to fulfil his role...

Simon Jones is both extremely professional and personable. He is a joy to work with and even via online meetings he is easy going and takes time to get to know you in order to fulfil his role as adviser. He manages to provide accountability without being overbearing and is also clear that I am free to take or leave his advice! His advice has always been spot on. In the short time I have been consulting with him, I have found myself in an improved financial position and have greater clarity when it comes to future financial issues. I would highly recommend him to anyone, whether you are planning on buying a house or just need to get your finances in order so you can make some sound investments.

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Charlotte, Bristol

I started looking for a financial adviser after having children and wanting to ensure that we have financial security for our family, now and in the future. Simon gave us clear advice and information...

I started looking for a financial adviser after having children and wanting to ensure that we have financial security for our family, now and in the future. Simon gave us clear advice and information regarding what services were available and took the time to really understand our situation both personally and financially to help us choose a life insurance policy and make plans for our will.

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Sherona, Wales

I have been working with Simon Jones for a couple of weeks now and he has been incredibly helpful explaining what options are available with regards to pension planning. The process has been...

I have been working with Simon Jones for a couple of weeks now and he has been incredibly helpful explaining what options are available with regards to pension planning. The process has been very smooth and our meetings are very relaxed but with clear instruction on what we need to do next and I look forward to continuing to work with Simon going forward.

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Cecilia, Bristol

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...

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.

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Lisa, Bristol

It would be difficult to improve the level of service that Simon gave during this pandemic. When planning for our retirement, Simon Jones created projections for us and looked at how we were...

It would be difficult to improve the level of service that Simon gave during this pandemic. 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.

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Claire, Bristol

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...

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.

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Veronique, Bristol

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.

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Paul, Wiltshire

I hadn’t heard from my previous financial adviser, from another company, for a few years. I needed to get my finances sorted out before reaching retirement age. Scott advised me as to my options...

I hadn’t heard from my previous financial adviser, from another company, for a few years. I needed to get my finances sorted out before reaching retirement age. Scott advised me as to my options and showed me comparisons between what I was doing and what I could be doing. He then set me up with what I believe is a much better package with all my finances. I’m very pleased with the return I’m getting from the arranged plans. I know that if I have any issues I can call Scott, or email him at any time and he will get back to me. If I thought Scott could have helped me any better I know I can mention it to him – but I haven’t needed to.

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Rosie, Bristol

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!

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Kizzie, London

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!

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Jim, Swindon

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...

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.

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Jack, Bristol

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...

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.

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Dean, Bristol

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...

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!

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Aaron, London

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!

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