UnaVida – Plan For Life – Financial Planning services for high net worth individuals and successful business owners

YOUR FINANCIAL ADVISOR

Are you getting a lower return than Investment Markets?
Are you getting the personal attention you deserve?
Why not get a second opinion? Let’s talk

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Our Philosophy

Many years ago, betrayed by poor investment advice, the shock of losing money made Ray turn his anger and frustration to positive effect by reading and researching investments, and everything financial. His findings surprised him, firstly that there were considerable differences between investment winners and losers, secondly that this information was not publicised more widely by the media.

He feels that little has changed, that many clients are effectively patronised and end up with mediocre investment portfolios, surely nobody should have to put up with that. The extensive research that Ray still carries out, and his unique approach to fund selection and trend investing strategies, identify sectors and funds with potential before the wider market catches on.

Worried about your future standard of living if your pensions and investments underperform? If you have over £500,000 of investments and pension funds and would like a second opinion, let’s talk …

Featured Planning Services

The accrual of wealth is not totally dependent on how you invest your money. To increase your net worth over your lifetime requires order and organization, i.e. doing the right things, at the right time, in the right way.

Financial & Investment Planning

Investment planning plays an important role as part of the financial planning process. To realize your future lifestyle aims, you should seek out a knowledgeable adviser who can provide you with pro-active ongoing advice. Without such an advisor, the current market environment will impact on your ability to achieve expected returns going forward, it is important to have a strategy that provides flexibility to adjust a portfolio in response to changing investment markets.

Estate & IHT Planning

A combination of financial planning and tax planning designed to provide for your assets to pass to the next generation with the minimum of tax and social impact. The planning is dictated by the complexity of both financial and family circumstances, it also depends on the time horizon for the planning. This type of planning can be costly, we recommend that you start by reading my latest book “Inheritance Tax Simplified”

Business Financial & Motivational Planning

You can make a living as a sole trader, but you are unlikely to create wealth. One of the best ways of creating wealth is to own your own business and employ others to assist you. If you have chosen a limited liability company, then you will have several advantages that other forms of trading entity do not have. You will have well-meaning business advisers naturally but often they are not entrepreneurial and may not be best placed to assist you to move forward.

Our Financial and Investment Planning
will Provide You with a Worry Free Future.

3000

Investment Funds for Sale in UK

171

Performance of the Top Global Fund Over 5 Years

-24

Performance of the Bottom Global Funds Over 5 Years

Gains in 4.5 months following our advice to buy gold mining collectives

Positive Reviews we have on Vouched for making us a UK Top Rated IFA

171

Performance of the Top Global Fund Over 5 Years

Our Expert Advisors

Every client at UnaVida considers their adviser a confidant. We in turn, look on our clients as friends — people that we care about and want to assist in any way we can.

Ray Best

Managing Director

Ray Best has 30 years’ experience, helping people manage their capital in good and bad times. Ray Best became interested in financial topics when he was in the Royal Air…

Our Process

Discovery Meeting

We will carry out an extensive assessment of your financial circumstances at the outset to establish your financial planning requirements. This will include:

Gathering of information about your existing financial arrangements and personal circumstances.
Gaining an understanding of your personal Goals, Needs and Objectives.
Understanding of your investment knowledge and attitude and tolerance towards investment risk and loss.
Gaining an understanding of your attitudes towards estate planning and providing for the costs of long-term care.

Data Analysis

We will conduct a full analysis of your current financial position and undertake an assessment of the likelihood of you achieving your stated objectives. This will include:

Building a Lifelong Cashflow Forecast which will show, based on assumptions agreed between us, whether you are likely to run out of money in the future.
Considering a number of catastrophe scenarios to determine whether your family will be financially secure in the event of death or disability.
Using your Risk Profile to determine the suitability of your existing investments (for example, are you exposed to too much risk?)

Strategy & Plan

Working through and developing your Financial Plan with you at the center of the process.
Highlighting any weaknesses exposed in your existing arrangements. Planning to overcome any shortfalls or defects in your planning.
Agreement to a plan of action for the achievement of your objectives. We will advise how to take specific steps to realize your plan and review regularly.

Neil Phillips / Newbury

Our financial arrangements were causing us a lot of concern. Then Ray Best came into our lives and showed us how to improve our pensions and reduce the cost of our monthly mortgage payments. It’s helped us immensely. He has a knack of explaining all the options to explain the relative merits in terms that make sense. We trust Ray.

Michael & Christine Moorhouse / Exeter

After advice from our bank, we noticed the values of our investments dropping like a stone, one of our friends recommended Ray Best. Ray has dealt with our investments ever since; we have had complete peace of mind with our finances for over 10 years – how do you put a price on that? He also helped us with some complex trust planning, and we saved an absolute fortune following Ray’s advice.

Annie Reynolds / Kent

Ray advised my mother for 17 years, as a result of his investment skills left a large estate. I now have a very comfortable lifestyle. If you are looking for a very capable adviser, who takes care of the complexities but speaks to you as a trusted friend then I would have no hesitation whatsoever in recommending Ray Best.

Barry Howard / Wokingham

I had an opportunity to make a large contribution to my pension, the problem was my existing financial adviser wanted to take a big chunk out of it as a commission. Then I was introduced to Ray Best, he charged reasonable fees and provided ongoing advice to make my pension pot bigger. He has been my adviser for eighteen years now, I trust him completely.

rich couple sitting in a sailing yacht with tablet

Achieve Your Goals

Although your overriding requirement is accruing and protecting your wealth, to achieve those goals requires us to take account of many different issues, options, and possibilities.

If for instance you’re retired, the arrangements we propose are likely to be quite different from those we would recommend for a business owner or an employee.

But in every instance, we take things one step at a time and we’re thorough – extremely thorough. Before we get anywhere near investments, we sort out the essentials. So irrespective of your employment status, our first step will be an examination of your will and insurances.