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We update our financial wellbeing resources regularly to help people build their financial literacy. If you would like to be notified of these updates please submit your email address below, you can opt out whenever it suits you.

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Your personal finances

We have spent 20 years perfecting a financial planning model that can serve every area of your personal finances for the rest of your life. This knowledge and confidence empowers our clients to take charge of their financial future. Take a look at some of the areas of personal finance we can offer advice in, and the benefits you would get if these were designed to work together towards your goals. Contact our expert personal finance advisers

Mortgage advice

Whether you are a first time buyer, moving to a new home, buying a second home or remortgaging, you will need sound mortgage advice. As well as this, you will need to consider whether purchasing is conducive to your overall objectives. At Unividual, we also look at how these options impact on your overall personal finance situation.

Mortgage advice

Saving for children

Putting money aside for your children is a valuable gift in more ways than one. Looking at tax-efficient ways to save for children ties into other areas of personal financial planning.  From school or university fees through to buying their first car and saving for a home, together we can give your children and grandchildren the best possible start in life, educating them along the way.

Saving for children

Finance Podcast: Building financial habits for your children

In one of our first podcasts with Radio Bath, just after the recovery of COVID, we discuss the importance of building good financial habits with your children and the role parents play in the perceptions children build about managing money. Our Marketing Director Cherie-Anne Baxter and Learning & Development Director Greg Harris talk through the common stresses about money, how to have conversations with children about money, helping your kids build up a nest egg early which will mean less worries surrounding money as our children grow up.

Retirement is just another word for getting old, right?

WRONG! It doesn’t matter whether you are just getting started with thinking about the future or you are at retirement now, generally planning for retirement can seem daunting and complicated. Don’t let that put you off. Our personal finance advisers can help you understand how pensions work and set up a retirement plan just for you. As you mature and your expectations in life change, we will review and adapt your plan. You won’t want to be in a position where your personal finances cannot achieve a certain standard of living when you stop work. When you retire you have your whole life ahead of you and Unividual will be with you every step of the way.

Plan for retirement

Inheritance planning is one of the best gifts you can leave your loved ones

When the time comes for you to leave this world, you won’t be able to take your money with you. People who don’t plan their finances for those inheriting their wealth can leave a world of problems without even realising. It is crucial you have sound plans in place to determine what happens to your legacy. Your beneficiaries could inherit huge tax liabilities they can not afford to pay for if you don’t plan to mitigate inheritance tax. On top of that, we can help you ensure you have a will in place, help with intricacies of powers of attorney and ensure that when it is your time to go, all your personal finances and assets are in order.

Inheritance Planning

Personal AND business financial planning

If you are a business owner, Unividual will ensure that your business, family and personal finances are connected with an all-encompassing plan which works towards all your objectives. There are a number of different areas that our personal financial advisers will take into consideration, so take a look at the other areas of financial planning you could benefit from.

Financial planning for business owners

Managing wealth in every area

Wealth management doesn’t just entail investment advice. It should be combined with other areas of your personal finances, such as retirement planning or estate planning. In the finance industry, this is what we call a ‘holistic’ approach to financial planning, where you benefit from one trusted personal financial adviser, who coordinates all the financial planning services you need. The value of pensions and investments and the income they produce can fall as well as rise; you may get back less than you invested.

How does wealth management work?

What does a financial adviser do?

Should I seek financial advice? Financial advice is for rich people right? I’m not old enough to need financial advice? Wrong. No matter who you are or what you do, if you are looking to get ahead in life and make the most of your money, we can help you.

How people manage their money

Most people don’t seek out financial advice for three reasons, they think:

1. They don’t have enough money

2. They are too young or old

3. They can’t find a financial adviser who works with people like them

Unividual’s financial advisers work with so many different types of people, hear first hand how financial advice can help someone like you

Read a client case study

Women building financial independence

Financial services has never catered for women and the numbers of women working in financial services has always been very low. Unividual is an Insuring Women’s Futures Ambassador and has been awarded a place on the Women in Finance Charter. We are setting the standards for financial services so financial advice can be tailored to women, who have very unique needs like men. This hasn’t been recognised by the industry which is why today women are in a finance epidemic of their own. Understand how women and men should be building financial independence for every generation of women.

Financial independence for women

Finance Podcast: The importance of women building their own financial independence

When it comes to building your own financial independence bespoke financial planning is required for women and girls or parents who have taken time out of work to care for family members. Time away from your career impacts on nearly every area of your finances, from affording childcare, through to less money being paid in to your pension and a reliance on your spouse or family members to provide enough income to cover costs. Then there is the health complications that women have which often families don’t think about when planning for care later in life. In this finance podcast we cover nearly every consideration families and individuals need to take into account when planning their finances and building their own financial independence.

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