In our latest “Meet the Team” feature, we caught up with Phebe Brown, Head of Administration at Universal Finance. She shares how she balances studying pharmacy at Queen’s University with supporting clients, why she loves the UF team, and why financial advice matters for young people.

Small steps can build big wealth. The 1% rule shows how tiny, consistent improvements — like increasing pension contributions, cancelling unused subscriptions, or saving spare change — can compound into life-changing results. You don’t need drastic changes, just steady progress.

If loved ones depend on you financially, life insurance is essential. It covers mortgages, childcare, education, and daily living costs. With policies starting under £10/month, it’s an affordable way to protect your family and ensure they aren’t left financially exposed.

Give your child a financial head start by investing £112 monthly Child Benefit into a Junior Stocks & Shares ISA from birth to 18. With a 7.5% annual return, compounding can grow a tax-free pot to £50,000. Start early, stay invested, and secure a transformative gift for their future.

Inheritance Tax (IHT) doesn’t have to be unavoidable. Through careful planning using gifting, trusts, and charitable giving, you can reduce or eliminate IHT, protect your wealth, and leave more for loved ones while minimising the amount of money paid to HMRC.

Holding cash feels safe, but inflation erodes its value; over 10 years, purchasing power can drop 25% or more. While essential for short-term needs, relying on cash long-term risks falling behind. A diversified investment strategy can protect and grow your wealth even amid market volatility.

Market volatility can unsettle investors, but one rule holds: time in the market beats timing the market. Trying to predict highs and lows often reduces returns. History shows markets recover, rewarding those who stay disciplined with a long-term, diversified approach. Patience is key to investment success.

Debt can help or hinder your financial growth. Used wisely, it supports long-term wealth; mismanaged, it creates setbacks. Learn the difference between good and bad debt, how to leverage borrowing effectively, and practical strategies to make smarter financial decisions for a more secure future.

Receiving an inheritance is bittersweet. We recommend you avoid rushing: secure funds safely, understand taxes, pay high-interest debt, strengthen your emergency fund, and consider investing through ISAs, pensions, or property to make sure you get the most out of your money.