I'm not sure to understand what you want to achieve. For retrieving the rows having a unique family reference you can use:
Code:
SELECT Individual.Id, Individual.Family_reference
FROM Individual
WHERE Individual.Family_reference In (SELECT [Family_reference]
FROM [Individual]
GROUP BY [Family_reference]
HAVING Count(*)=1 );
But I don't know for sure what you want to do from there: Create new rows in the other table ("
Financial") or update existing rows?