Rising Star 2025 · Award-winning adviser
Financial advice that actually feels like it’s for you.
Warm, jargon-free financial planning for self-employed people and business owners across the UK. Pensions, protection, mortgages and investments, built around the life you actually want.
- Authorised & regulated by the FCA
- 200+ self-employed clients supported
- Warm, modern, jargon-free
As featured in
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Clients supported
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Accountant partners
Age 18
UK’s youngest IFA
Fully regulated
Who I work with
Built for the way you actually earn a living.
I work with people who’ve built something of their own, and need advice that matches. Not generic. Not gatekept. Just clear, useful financial planning for the way you actually work.
- Self-employed & freelance Sole traders, consultants, coaches, creatives, people earning without a safety net.
- Ltd company directors Owner-managers looking for tax-efficient ways to pay themselves, save, and protect the business.
- Creative business owners Designers, photographers, writers, agencies, running something of your own.
- Established professionals Mid-career and beyond, consolidating pensions and planning a life you actually want.
What I help with
Joined-up advice across every part of your financial life.
Pick a service to learn more, or book a discovery call and we’ll figure out which pieces you actually need.
Pensions & Retirement
Untangle what you’ve already got, plan what comes next. Whether you’re starting from zero or juggling five old pots.
Learn more →Protection
Because Plan B isn’t optional when you work for yourself. Income protection, critical illness, family cover.
Learn more →Mortgages
Self-employed mortgages without the runaround. Residential, buy-to-let, Ltd company directors welcome.
Learn more →Investments
Your money should work as hard as you do. Tax-efficient, values-aligned, explained in plain English.
Learn more →Equity Release
A later-life option, explained without the scare tactics. Regulated advice, family-first conversations.
Learn more →Business Planning
Tax-efficient strategies, business protection, and long-term wealth planning for UK business owners.
Learn more →
About Romany
The UK’s youngest qualified financial adviser, on a mission to change the industry.
I started my career in finance at sixteen. By eighteen, I was the UK’s youngest qualified adviser. I loved the work. But not the industry. Too many suits. Too much jargon. Too little warmth.
So I built The Finance Woman around a different idea: advice that’s clear, human, and built around your life. Not a product portfolio.
Read my storyFinancial advice shouldn’t feel like homework. It should feel like a really good conversation with someone who gets it.
Romany Youell
In their words
Real advice. Real business owners. Real results.
“Romany is a fantastic financial advisor. Her service is professional, efficient and very person-centred. I would have zero hesitation in recommending her to friends and family.”
“Romany has been a breath of fresh air to work with about my finances. She is compassionate and a fantastic listener. No question is too stupid to ask and she explains everything so it’s really easy to understand.”
“I find finances quite intimidating and for years have buried my head in the sand. I wanted guidance on my pension, investments and generally how to protect my income as a single woman. Romany was so approachable.”
How it works
A simple, three-step process. No surprises.
- 01
A free discovery call
Thirty minutes to talk about where you are, where you want to be, and whether we’re a fit. No pressure. No jargon.
- 02
A tailored plan
Built around your life, not a template. Written in plain English. Joined up across pensions, investments, mortgages and protection.
- 03
An ongoing partnership
Life changes, so does your plan. I’m in it for the long haul, not just the signup.
On Instagram
Calm money talk, every week.
Join 1,826+ business owners following along for jargon-free money tips.
Questions?
The things everyone wants to ask.
If your question isn’t here, email romany@thefinancewoman.co.uk, and I reply to everything personally.
How much does it cost to work with you?
Discovery calls are free. If we decide to work together, I’ll be completely transparent about fees before any commitment. Most of my clients pay via product charges rather than upfront fees, and I’ll explain exactly what that looks like for your situation.
Do I need a minimum amount of money to get advice?
No. I work with people starting from scratch and people with significant wealth. What matters is whether you want clear, modern, jargon-free advice. Not how much you’ve already got.
Are you regulated?
Yes. The Finance Woman is a trading style of NeedingAdvice.co.uk Ltd, authorised and regulated by the Financial Conduct Authority (FCA Reference 535515). You’re protected by the Financial Ombudsman Service and the Financial Services Compensation Scheme.
I’m nervous about financial advice. Is that normal?
Completely normal. Most of my clients come in feeling the same way. My job is to make the conversation feel calm and human, not intimidating. No pressure, no jargon, no judgment. Just useful, clear advice.
Can I work with you if I’m not in Huddersfield?
Yes. I work with clients right across the UK, mostly over video calls. If you’re local (Leeds, Huddersfield, Wakefield, Sheffield), we can also meet in person.
Ready when you are
Let’s have a proper conversation
about your money.
Book a free 30-minute discovery call. No product pitch, no pressure. Just a warm, clear, useful chat.
Book a discovery call