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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

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

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?

Get a personal financial adviser

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