Romany Youell – Independent Financial Adviser, NeedingAdvice.co.uk

NeedingAdvice.co.uk

Romany Youell

Independent Financial Adviser

Quilter-trained IFA specialising in pensions, investments, equity release and inheritance tax planning. Free initial consultation, no obligation.


About Romany Youell

Romany is the Independent Financial Adviser at NeedingAdvice.co.uk. She came into the finance industry early, spending her first years advising on mortgages and life insurance alongside the rest of the team. During that time she noticed something important — clients were coming to NeedingAdvice for mortgage advice but leaving with significant unmet financial planning needs. Pension gaps, underperforming investments, and no retirement strategy.

That observation prompted her to go further. She attended the prestigious Quilter Financial Adviser School and qualified as a fully independent financial adviser, with a particular focus on pension and investment advice. It was, as she puts it, where her real interest lay.

Today Romany looks after new and existing NeedingAdvice clients on all aspects of financial planning — pension consolidations, investment portfolios, equity release, and long-term retirement planning. She particularly enjoys working with self-employed clients, who often find the complexity of pension provision daunting, and helping clients consolidate multiple lost or forgotten pension pots into a coherent strategy. One of her most memorable cases involved tracking down ten lost pensions for a single client — a discovery that secured his financial future and allowed him to retire early.

Beyond client work, Romany is committed to financial education. She runs a growing Instagram community focused on making finance accessible to a broader audience. In her spare time she loves travelling to new places, practising yoga, and spending time with friends and family.

What Romany Can Help You With

Pension Advice & Consolidation

Old workplace pensions, forgotten pots, and fragmented retirement savings — Romany specialises in bringing these together into a clear, consolidated strategy. She has helped clients find and recover pensions they had completely lost track of, transforming their retirement outlook.

Investment Advice

Whether you are starting to invest for the first time or reviewing an existing portfolio, Romany provides independent advice — not tied to any one provider — to help you find the right approach for your risk appetite, time horizon and goals.

Equity Release

For homeowners aged 55 and over, equity release can unlock the value in your property to supplement retirement income, fund home improvements, or help family members onto the property ladder. Romany advises on the full range of equity release options with clear explanations of the risks and benefits.

Self-Employed Financial Planning

Without an employer pension scheme, financial planning for the self-employed requires a different approach. Romany particularly enjoys working with sole traders and limited company directors to build pension provision, tax-efficient investment structures and protection that fits their business life.

Inheritance Tax Planning

With IHT thresholds frozen and estates increasingly caught in the net, Romany helps clients with early-stage planning — trusts, gifting strategies and structuring wealth to protect what you have built for the next generation.

Retirement Planning

Romany’s favourite part of the job is building long-term relationships and helping clients achieve their goals over time. From setting a retirement date and income target to reviewing progress every year, she provides ongoing financial advice that evolves with your life.

Romany in the Press

IFA Magazine

#InspireInclusion in Financial Services

Romany shares what inclusion means to those working in financial services — part of a broader industry conversation on representation and building a more accessible profession.

Unbiased

Why We Need More Female Financial Advisers

Romany contributes to Unbiased’s series on diversity in financial planning, making the case for greater female representation across the advice profession.

IFA Magazine

Gender Equality in Financial Services

Romany shares her vision for what a more equal financial services world would look like — part of IFA Magazine’s ongoing series on the future of the profession.

Financial Reporter

30 Under 30: Class of 2025

Romany is featured in Financial Reporter’s prestigious 30 Under 30 Class of 2025 — recognising the most promising young professionals in UK financial services.

Huddersfield Hub

Shortlisted as Rising Star

Romany is shortlisted as a Rising Star in the Women’s Recognition Awards — local recognition of her impact as an inspirational financial adviser in the Huddersfield community.

Professional Adviser

What I’ve Learnt from Ambitious Women in Advice

Romany features in Professional Adviser’s column — a piece reflecting on the lessons learned from ambitious women making their mark in the financial advice profession.

Financial Advice Reviews

Reviews for Our Mortgage Adviser Romany

Romany Youell advises through NeedingAdvice.co.uk Ltd, which is an Appointed Representative of Rosemount Financial Solutions (IFA) Ltd, authorised and regulated by the Financial Conduct Authority under reference 938312. You can verify this on the FCA Register. The value of investments and the income from them can go down as well as up. You may not get back the amount you originally invested. Past performance is not a guide to future performance. The value of pensions and investments and the income they produce can fall as well as rise. Estate and inheritance planning is not regulated by the Financial Conduct Authority.

Meet the Rest of the Team

Romany works alongside a team of specialist mortgage and protection advisers. Meet the full team →

Damian Youell

Damian Youell

Senior Broker & Director

Sumaiya Patel

Sumaiya Patel

Mortgage Broker

Matthew Shufflebotham

Matthew Shufflebotham

Mortgage Broker

Miles Turner

Miles Turner

Client Relationship Manager