Financial Planner for Business Owners - UnaVida Wealth Management Ltd

Business Tax & Financial Planner for Business Owners

We understand that effective tax planning is at its most efficient when the adviser has a firm understanding of the personal and business financial arrangements.
Using this knowledge, it is often possible to make very cash flow savings and reduce tax, indeed using the “money go round” flows of personal monies into the business and out of the business, we often can make substantial one-off savings for the business owner.

Aligning your business and personal wealth goals

We work with business owners who generate annual profits of £175,000 or more.
If you wish to grow your business and increase your personal wealth, do contact us for a second opinion.

If your business is a good fit, we trust we will be able to repeat the success we have achieved for our business owner clients.

How we help

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Wealth acceleration for business owners

Targeted support to find solutions to your business challenges.

Whether it is succession planning, tax, or questions about using a SIPP or SSAS to gain control over your pension pot, our highly experienced and skilled business adviser will show you how to optimise your arrangements, make savings, and work with you to remove obstacles standing in your way.

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Investment planning

Our purpose is to provide you with a worry-free future.

While nothing in life or the markets is a certainty, our investment philosophy – placing your values and goals at the centre of everything, trend investing, and getting daily stock market information, which we use to adjust our model portfolios –means our clients gain peace of mind working with us.

Watch our client videos

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Independent financial advice

Specialist, independent, and expert financial advice to enable you to create wealth independently from your business.

As well as our advice, you will receive input from our panel of professional contacts.

We will show you our three-step formulae for business success. As part of the process, you will reassess your goals and aspirations.

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Board meetings

Properly conducted board meetings have proven to be very beneficial for our business owner clients.

We are often able to help resolve problems and clarify financial understanding.

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Second opinion service

We offer a small number of “second opinion” without obligation appointments per month.

To apply for a complete overview of your financial arrangements, please use the contact us page.

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Protection

Poor health or premature death can create both financial and administrative problems.

Ensure you are adequately covered and have the additional security of correctly worded legal documentation.

What our clients say

Discover what our clients really think of us and how we help them succeed.

UnaVida are trustworthy, honest, and reliable.

Jim (Hampshire)

Ray's philosophy to finance was aligned with ours.

Keith (Berkshire)

I look at Ray as a friend, rather than just an adviser.

Martin (Berkshire)

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Your journey

Your journey starts with a meeting that is all about you, what sort of future you want, and how you plan to spend your time. We will demonstrate our three-step formulae that will clarify what is required to keep you on track.
Then we will ask you our killer motivational question that will provide the momentum for you to take action.

jackie kawekwa
jackie kawekwa
2023-10-25
Friendly and helpful
Mike Moorhouse
Mike Moorhouse
2023-10-25
Having been with UnaVida for the past 10 years, now in these troubled times we have complete confidence leaving our financial affairs in Ray's capable hands. What we like is UnaVida are regularly in touch on a one to one basis which is very satisfying. For financial advice/ planning, UnaVida are the excellent with a direct line to Ray Best.
Elspeth Elson
Elspeth Elson
2023-10-23
UnaVida have helped me over the last six years with pension, tax and financial planning. Ray Best and his team are knowledgeable, efficient and supportive with all financial issues I have needed help with.
Sarah Gooderham
Sarah Gooderham
2023-10-20
UniVida has been great for us, providing the right advice just when we needed it. Having been strongly recommended by a good friend, UniVida has proven themselves to be friendly, patient and very knowledgeable.
Colin Steel
Colin Steel
2023-10-11
Understanding the 'minefield' of financial management , with all of the legalities and thresholds is not easy for those who have spent their working lives in other industries. The comfort of having an Expert to guide you through all of the complexities is of paramount importance. Having met & known Ray Best, UnaVida, for several years before placing my complete trust in Ray's operation means security for myself, family in my retirement & future. Thankyou Ray & UnaVida.
Debbie Steel
Debbie Steel
2023-09-21
Ray Best has a great understanding of the financial needs of his clients and enjoys helping them get the best returns on their financial assets.
mike elson
mike elson
2021-01-04
Until two years ago our investments were through major banks and we had become used to being small fish in a large pond where we had very little influence on investment decisions or advice on overall financial management. Disappointed and frustrated we discovered a locally based IFA that provided a comprehensive financial strategy covering investment, pensions, inheritance tax, wills, and life planning. We now feel appreciated and more closely involved with regular reviews, newsletters, and personal contact. Our investment portfolio has performed very well even in the last difficult 12 months. Ray has also been able to offer us very useful advice on using our investments to help our 3 children when they needed financial support. We have no hesitation in giving an unqualified recommendation for Ray and his team at UnaVida. Mike and Maggie Elson
Mary Doran
Mary Doran
2020-11-27
I have known Ray Best for years. If you want an IFA you can trust, you should contact Ray Best.
stuart self
stuart self
2020-09-29
Ray has been my IFA for nearly 8 years now throughout that time under Ray's guidance the performance of the portfolio has been consistent and has provided both gains in capitol and an income . however this year has been exceptional and Ray has excelled in picking some prime investments and with good timing has significantly increased my capitol . Ray has always been very good at communicating his views on investments and with his news letters , not only a good read and interesting shows a deep understanding of what is happening in the financial world . i would like to thank Ray and his team for a great performance this year.

Resources

Choose from our extensive library of informative guides, helpful videos and insightful blogs.

Our Approach

Our tax planning service is holistic, considering every angle of your personal and company finances to devise a strategy that reduces the overall tax burden. We believe in a proactive approach, not just a once-a-year review, but ongoing advice and planning to adjust to both changes in tax legislation and your personal circumstances.

Here’s how we can assist you:

Personal Tax Position Analysis: We start with a thorough review of your personal financial arrangements and tax position. Understanding your personal goals, income streams, and potential tax liabilities enables us to tailor tax planning strategies that align with your long-term objectives.

Company Financial Arrangements and Tax Position: Your business’s financial health and tax obligations are intricately linked to your personal financial success. We delve into your company’s financials, exploring every avenue to optimize your tax situation, from corporate structure and profit retention to investment and asset management.

Integrated Tax Planning Solutions: By considering both your personal and business tax situations, we develop integrated strategies that maximize tax efficiency across the board. Whether it’s structuring for tax-efficient profit extraction, planning for business succession, or making informed decisions about investments, our advisors provide insights that support your financial well-being.

Ongoing Support and Advice: Tax legislation and financial rules and regulations evolve, so we provide updates and reminders and continuous support and advice, ensuring that your tax planning strategies remain effective and compliant. Our team stays ahead of changes, proactively advising you on necessary adjustments to maintain optimal tax efficiency.

Our Services Include:

  • Personal and corporate tax efficiency reviews.
  • Tax-efficient profit extraction strategies.
  • Succession planning and inheritance tax strategies
  • Investment and pension planning from a tax perspective
  • Guidance with tax compliance and filings.
  • Advisory on tax implications of business transactions.

Why Choose Wills Tax & Trusts Ltd?

  • Expertise: Our professional connections bring a wealth of experience which supplements our in personal and corporate tax planning.
  • Customised Solutions: We pride ourselves on delivering personalised strategies that reflect your specific circumstances and goals.
  • Proactive Planning: With a forward-thinking approach, we ensure your tax planning is robust against both current and future challenges.
  • Comprehensive Service: By looking at the bigger picture, we provide services that encompass all aspects of your financial life, ensuring coherence and tax efficiency across the board.

At Wills Tax & Trusts Ltd, we’re committed to helping you navigate the complex world of tax planning, ensuring that both your personal and business finances are structured for maximum efficiency and growth. Let us help you minimise your tax liabilities and secure your financial future.

Contact us today to learn more about how our tax planning services can benefit you and your business.

Registered in England and Wales. Registered Number 5553273.
Registered Address: 8f Millars Brook, Molly Millars Lane, Wokingham, Berkshire, RG41 2AD.

A pension is a long-term investment that typically cannot be accessed until age 55 (57 from April 2028). The level of pension benefits offered could change depending on the value of your investments (and any income they may generate).

The interest rates in effect at the time you begin receiving benefits may also have an impact on your pension income. The tax consequences of pension withdrawals will depend on your unique situation. In later Finance Acts, tax rates, tax bases, and tax relief may change.

The opinions expressed by Ray Best are meant to inform and educate. Before making any investment decisions always take advice that is pertinent to your investment personality and financial situation.

You are aware that past performance will not necessarily be repeated in the future, but you should be aware that persistent poor performance invariably will.

The value of an investment and the income from it could go down as well as up.

The return at the end of the investment period is not guaranteed and you may get back less than you originally invested.

UnaVida Wealth Management Ltd. is directly authorised and regulated by the Financial Conduct Authority (440577).

The guidance in this website is primarily aimed at a UK audience and is subject to regulation by the Financial Conduct Authority (FCA).

The Financial Conduct Authority does not regulate tax planning, estate planning, or wills and any form of legal documentation.