Financial Services for Individuals | Services | UnaVida Wealth Management Ltd

Our Personal Finance Service for Individuals

As with any financial decision in life, the best results are achieved by carefully constructing a plan and then following that plan consistently over time. Retirement planning is no different.
We work with clients who have pension assets of £300,000 or more and who are looking to make intelligent choices about their money, enabling them to enjoy their lifestyle without constraints.

Sound advice

We provide comprehensive, clear advice on all pension and financial planning issues. That may include streamlining your pension pots to achieve better returns on your investments, designing a plan to ensure you can achieve all your retirement ambitions without the danger of running out of money. We can also provide guidance to assist you to prepare secure legal documentation, such as a will, lasting power of attorney and trusts*.

Our work together will focus on how you want to spend your 30 or 40 years of retirement and ensure that you remain in control of your financial arrangements and your lifestyle choices. We are very proud that our clients tell us that by working with us, they can look forward to the years ahead with confidence.

* These are all drafted by suitably qualified third party professional contacts of ours.

How we help

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Retirement lifestyle planning

When you picture a good retirement, you probably picture a life spent busily doing things you love, without the burden of work. But not everyone comes to retirement able to clearly picture what that life looks like. We will help you identify the perfect retirement lifestyle for you, then set to work ensuring you have enough money to achieve it.

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Wealth management

A fundamental part of retirement planning is calculating the safe withdrawal rate from your retirement funds. You want to be sure you are saving enough for later life while still being able to enjoy your retirement to the fullest. No easy matter given volatile market conditions and a fast-changing economy. We use trend investment strategies to better navigate uncertain markets.

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Pension fund enhancement

Our goal is to provide you with a retirement free from money worries – the least you deserve after a lifetime of hard work and saving! While nothing in life or the markets is a certainty, we often find that there is considerable scope for clients to increase the monies in their pension funds; they simply require hands-on guidance to understand the steps needed to achieve this.

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Protection

While you might not like to spend too long thinking about worst-case scenarios, bad things can, unfortunately, happen to good people. Carefully tailored protection planning will ensure your loved ones are protected from financial dangers if ill health, an accident, or a death strike. We’ll help ensure that the fate of your loved ones is never left to chance.

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Second opinion service

Making potentially life-changing financial decisions can be nerve-wracking. We offer a small number of “second opinion” appointments per month. These provide an opportunity to gain an experienced eye over any arrangements you have made yourself, or advice you have received elsewhere.

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Estate and tax planning

Do you want to ensure that your wealth is passed on to the next generation? Do you worry about the impact of Inheritance Tax on those you leave behind? Our team will help you preserve your wealth for your loved ones with a plan incorporating Inheritance Tax mitigation, will writing, a plan for the transfer of pensions after death, and estate planning.

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

Our comprehensive approach provides a full analysis of your financial situation. But it also takes in far more than just your finances. Your journey with us will enable you to create a future that is meaningful to you.

Resources

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

Registered in England and Wales. Registered Number 5553273.
Registered Address: Victoria House, 26 Queen Victoria Street, Reading, Berkshire, RG1 1TG

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.