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How to become a millionaire and also stay one

“Who wants to be a millionaire?” probably quite a few of us actually! Many people don't know that there is a proven way to get there over the long-term. You do need patience on your side though and "no" it doesn’t involve "phoning a friend" to get their idea on what the answer is. The truth to millionaire success is in regular investing in the stock market over the long term and taking advantage of the power of compound investment growth. Here we explain all in simple terms with zero jargon.

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Our Guide To The Spring Budget 2023

The Spring Budget is an important event in the financial calendar. Presented each year by the Chancellor of the Exchequer, it offers an update on the current economy and outlines the changes to come in the new tax year. In this guide we bring you all the changes that are likely to impact your personal and/or business finances.

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How to pay less tax: utilise your 2022/23 tax allowances

Are you ready for the end of the 2022/23 tax year? The deadline for making the most out of your tax allowances is April 5th, 2023, only a few weeks away. With many cuts set to arrive in the 2023 year, maximising your allowances is more important than ever. This article will help you understand what exemptions you may be eligible for, so you can make the best decisions for your money before it's too late.

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Discover your why: understand the life you want and invest your way towards it

London Chartered Financial Planner, Alex Caswell, shares with us the importance of understanding your “why” when investing. "One of the reasons I became a financial adviser is to help people find their why like I did myself. It sounds easy to do but none of us spend the time to really think about what we are working so hard for. Here I share some links between finding your why and how you could be managing your money more effectively and tips to understanding your purpose in life."

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Year of the rabbit: Build a financial plan of longevity & resilience

As someone who grew up in a Chinese family in the UK, Chinese New Year is always an exciting time of the year. It is also a time for families to reflect on the year and that the new year will bring new hope and prosperity. 2023 is the year of the Rabbit and if planning your finances were a Chinese Zodiac, it would totally be a rabbit as it symbolises longevity, positivity, cautiousness, cleverness and protecting yourself.

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Building good habits in health & wealth so you actually succeed

Fed up of articles about New Year's Resolutions? Alex Caswell is a Chartered Financial Planner at Unividual and has a passion for wellbeing and the intrinsic links between health, wealth and building good habits. In this article he uncovers the secret sauce to hitting goals which is sticking to sustainable habits over time.

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Will Ukraine or the cost-of-living crisis affect my financial plan?

During times of financial volatility people want to understand two things. "should I stay invested" and/or "shall I still invest". We take a look at some of the theory behind the secret recipe to investing whilst things are going on in the world that effect the markets, like the crisis in Ukraine.

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A British taboo: Talking about money & inheritance

There is a long-standing stereotype that British people avoid conversations about money. Yet there is a generation below us who are set to inherit a large amount of wealth, along with all of our financial habits and anxieties that go with it. We discuss intergenerational wealth and how inheritance planning can ensure your children and grandchildren are prepared for the future.

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Company Director End of year planning

A Company Director or business owner's financial well-being is intrinsically linked to your business. With the October and December company year-end fast approaching there are a lot of challenges to consider from profitability, cashflow, and ensuring that your remuneration is making the most of tax allowances and thresholds. Advanced planning reduces stress around company year end so find out how to successfully review and plan your personal and business finances.

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Motivate yourself to a better financial future this summer

With the summer holidays upon us, now is a good time for reflection and relaxation. At Unividual we encourage our clients to ‘fix the roof while the sun shines'. Managing your finances is one of those things that is good for you to do but for whatever reason procrastination kicks in and you might not always have a handle on things. This happens to the best of us, so we take a look at some of the things you could be doing this summer to set you up for the future.

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