Your personal finances

We have spent 20 years perfecting a financial planning model that can serve every area of your 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 we can offer advice in, and the benefits you would get if these were designed to work together towards your overall life goals.

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 financial situation.

It's not just 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 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 options

Why should you save into a pension?

Retirement planning seems complicated but don’t let that put you off. Take the time to understand how pensions work and together we can set up a retirement plan that’s right for you. We can also ensure that, as you mature and your expectations in life change, we review and adapt your plan. You don’t want to be in a position where you realise you cannot achieve the standard of living you would like when you stop work.

Plan for retirement

Forget the clichés - retirement is not all about grey hairs

Retirement is just another word for getting old, right? WRONG! You have your entire life ahead of you when you retire. The financial decisions you make at this point could be the most significant ones you make in life. You also can’t take your money with you, so it is crucial you have a structure in place to determine what happens to your legacy in the future. That might involve discussions with other family members too, if that is right for you.

Post-retirement planning

Personal and business financial planning

If you are a business owner, Unividual will ensure that your business, personal and family finances are connected with an all-encompassing plan which works towards all your objectives. There are a number of different areas that we will take into consideration. Have 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 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 professional coordinating all the financial planning service 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?

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