FAQs

No. UnaVida Wealth Management Ltd withdrew from the FCA after Ray Best sold the firm’s client bank. We hold no regulated permissions and carry out np regulated activities.

We do not provide financial advice to retail clients, and we cannot accept enquiries of that kind.

Ray Best built and ran an advice practice for several decades, then prepared it for sale and completed the transaction. The client bank transferred to the acquiring firm and Ray withdrew from the FCA.

UnaVida Wealth Management Ltd continues as a company, but no longer advises clients.

Ray’s estate and succession planning practice. It works alongside professional advisers on complex estates, and also directly with families and business owners.

It has its own site at willstaxandtrusts.com, where the detail of each practice are site.

Six practice areas: wills, trusts and asset protection; intergenerational wealth transfer and trust planning; lifetime gifting and the seven-year rule; liquidity planning for estates that are asset-rich and cash-poor; pensions and inheritance tax ahead of the April 2027 changes; and business property relief following the April 2026 reforms.

No. You remain the lead adviser throughout, and the client returns to you once the work is implemented. Wills, Tax & Trusts Ltd does not provide discretionary investment management and does not compete for ongoing financial planning relationships.

Most often where a client has significant inheritance tax exposure, where pension wealth forms a large part of an estate, where a business needs succession planning, or where trusts, asset protection or care fees are in play.

Also for complex family structures – second marriages, blended families, vulnerable beneficiaries – and for a technical review of arrangements already in place.

An initial discussion between advisers, then a joint meeting with the client where that helps. Technical recommendations follow, then implementation, and the client returns to you.

You stay in the room throughout. Nothing goes to your client that you have not seen.

Yes. Accountants tend to come to us where a client’s business and estate are tangled together. Firms without a private client department use us so they can keep the client rather than turn the work away.