Ray L Best | Meet the Team | UnaVida Wealth Management Ltd

Ray L Best

Managing Director and Financial Planner

About Ray

Although I had been employed in financial services for some years, it was not until I started my own business, advising clients directly, that I began to enjoy and appreciate life as an adviser.

I was fortunate to qualify for the Million Dollar Round Table, held in San Francisco, in 1990. What an unforgettable experience that was.

It wasn’t until years later, when I entered the corporate market, advising business owners, that I realised that the biggest impact on my career was not my financial services experience but the two years prior to that in business efficiency. As the lead planner, I was given projects that others had failed at, and I was always able to find a solution to any project I was given.

There have been many other business owners I have assisted over the years. I have a great affinity for entrepreneurs who risk everything to provide a better lifestyle for their families and improve their lot in life.

Pension Contributions for High Earners

How to Manage a Pension Fund Effectively

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.