Hristina
Hristeva

Building Onyx around a changing life
Hristina's story so far...

Hristina Hristeva became a mother in September 2023. Three months later, she founded Onyx Financial. Learning to run a business alongside family life prompted her to think carefully about how she worked, what she could delegate and where other people's expertise could help.

She had begun in protection administration after studying accounting and finance, working alongside adviser Georgi Petrov. After completing CeMAP, she became a mortgage adviser in 2020. Through Umbrella Protect, they developed a partnership around their different specialisms, with Hristina handling mortgages and Georgi focusing on protection.

Recommendations brought clients to them, and that has continued at Onyx. The firm has never bought leads and has received more than 120 reviews and testimonials. Hristina now has three administrators supporting her client flow, Georgi leads protection and another adviser is being trained in commercial, bridging and investment work. The business now produces approximately twice her previous level of business while she works fewer hours.

Her relationships within the UK's Bulgarian community have also grown. In March 2026, she appeared on NOVA TV to discuss the UK property market. As she develops Onyx's services, Hristina wants to keep making financial advice easier to understand, while learning how to give her team the responsibility and support to grow with the business.