Individuals | Services | UnaVida Wealth Management Ltd


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


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.


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.


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.



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.


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.


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.

jackie kawekwa
jackie kawekwa
Friendly and helpful
Mike Moorhouse
Mike Moorhouse
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
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
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
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
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
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
I have known Ray Best for years. If you want an IFA you can trust, you should contact Ray Best.
stuart self
stuart self
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.


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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.