Apex Independent Financial Planning Ltd

Independent Financial Adviser  Apex Independent Financial Planning Ltd, Formby, Merseyside, L37 4AF
First meeting at adviser's own cost
Our advice is tailored to the specific needs of each and every individual with over 20 years experience.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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Regular savings
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Savings for children
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School fees planning
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Critical illness
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
Response rating
10/10
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FCA authorised
Last authorised 19th October 2020
Meet our advisers
Paul Neave J
Independent Financial Adviser

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

What our clients say
What were the circumstances that caused you to look for a Financial adviser? To start investing on a regular basis. How did Paul help you? Listen to my needs and put a plan into place which fitted my needs and objectives. What is your current situation? Have you seen the outcome you were hoping for? Yes. What could they have done better? Am very happy with advise and service
Verified Client, Merseyside
What were the circumstances that caused you to look for a Financial adviser? I was moving from overseas back to UK. This combined with my distinct disappointment with the quality of service I was receiving and the poor returns of my investments led me to talk to Paul. How did Paul help you? Paul understood my particular circumstances and was able to develop a custom-tailored financial solution that delivers on focused aims and ambitions, given where I am in my life right now. Paul explains what could be quite complicated concepts in a very clear, logical and organised fashion. What is your current situation? Have you seen the outcome you were hoping for? Yes I believe the tailored financial solutions suit my investment strategy. Furthermore I think that Paul is only a call/email away and always ready to add value and comment. What could they have done better? I think Paul performed above and beyond, especially coming to my home and meeting me and my wife which served to relieve some anxieties and worries. As always with fee based service - one has to quantify value over price - it could be cheaper - but would we lose the added value?
Verified Client, London
What were the circumstances that caused you to look for a Financial adviser? Having poor dealing with previous FA no real feedback from them apart from the usual e-mails each quarter. How did Paul help you? has brought together all my current policies under 1 "umbrella"has been able to trim back some of the high cost I was being charged for the policies. What is your current situation? Have you seen the outcome you were hoping for? my current policies are still in at an early stages and the current turbulent market because of Brexit has resulted in no massive gainsBut Im more confident now for the future than before. What could they have done better? not a lot more I could have asked for from Paul
Verified Client, Lancashire
What were the circumstances that caused you to look for a Financial adviser? looking to start a long term investment fund. How did Paul help you? Paul gave open and honest advice not focused on short term selling but long customer relationships. What is your current situation? Have you seen the outcome you were hoping for? I have good base that will grow over time and my long term plans. What could they have done better? none
Verified Client, Halifax
What were the circumstances that caused you to look for a Financial adviser? Complicated personal circumstances requiring an expert in the field able to evaluate our individual requirements and help us set achievable savings targets. How did Paul help you? Outlined and set up a bespoke savings/ retirement plan and amalgamated existing pension plans into a more effective and manageable package. His explanations of the various options were excellent allowing my wife and myself to understand clearly the options, risk involved and become involved in the whole process. What is your current situation? Have you seen the outcome you were hoping for? Results so fat have been excellent using Paul as our advisor. His ability to identify our requirements and timescale has allowed us to invest much more effectively over the longer term and we are well on target to achieve our goals. What could they have done better? Paul has been proactive on our behalf at all times. His explanations are clear and aimed at the right level. Keep on doing what you are doing, keeping it personal, identifying individual aims and knowing your clients as well as you do.
Verified Client, West Sussex
What were the circumstances that caused you to look for a Financial adviser? I needed a financial adviser to help my wife and I save for our retirement while overseas. I also needed assistance with the investments in my late father's trust. How did Paul help you? Paul assisted with the restructuring of the investment portfolios and introduced us to the discretionary fund management approach to administering the investments. What is your current situation? Have you seen the outcome you were hoping for? It's still relatively early days as I have only been working with Paul for a couple of years, but his approach is sound and well researched. What could they have done better? Honestly, he couldn't have done more. Paul is proactive in cummunicating with me and when I have questions replies promptly. He's definitely not the sort of adviser who you see once a year for an annual review.
Verified Client, Avon
What were the circumstances that caused you to look for a Financial adviser? I was living off shore and working in an expat environment and needed to invest some funds accordingly. How did Paul help you? Paul gave me the advice I needed and did all the necessary work to ensure that the investmens were made. He continues to advise via detailed, regular feedback. What is your current situation? Have you seen the outcome you were hoping for? Yes What could they have done better? I think and believe that Paul has done and will do everything that is necessary to keep me happy as a client.
Verified Client, Outside of UK
What were the circumstances that caused you to look for a Financial adviser? I needed my finances to be consolidated and wanted to understand more about securing my families financial future. How did Paul help you? In many ways!He helped me have an easier understanding of what I was doing with my investments and his explanations were easy to follow and not complicated at all. What is your current situation? Have you seen the outcome you were hoping for? For sure and better than I expected. What could they have done better? Nothing at all, I'm very pleased and I would highly recommend Paul to anybody.
Verified Client, Cheshire
What were the circumstances that caused you to look for a Financial adviser? Needing to save money for retirement in an effective way. How did Paul help you? Advised me on best wyas to save relating to my current work position and relating to my level of risk adversity. What is your current situation? Have you seen the outcome you were hoping for? Yes I think so. What could they have done better? Explaining things in even more detail.
Verified Client, Outside Uk
What were the circumstances that caused you to look for a Financial adviser? I needed guidance on how to make the most of my savings. I have a young family and need to plan for their future How did Paul help you? Paul reviewed my financial status and helped plan how much money we would need for a comfortable retirement whilst putting my children through education. We then worked on a range of options for investments. He was very honest all the potential risks and never applied any pressure. This allowed me and my wife to make informed decisions on how to plan for the future. What is your current situation? Have you seen the outcome you were hoping for? We have not been in the scheme for long enough, however the early signs are positive and Paul continues to keep us updated with market trends and offers advice and guidance when ever we require it. What could they have done better? He honestly could not have done more. We have met with many financial advisors in the past, however Paul's approach was friendly, professional, but most of all honest.
Verified Client, Cornwall
What were the circumstances that caused you to look for a Financial adviser? Needed some independent advice from someone reliable who I could trust. How did Paul help you? Gave me advice in relation to my current investments including future investments of ISA's and child trust funds. What is your current situation? Have you seen the outcome you were hoping for? Yes the advice was helpful.
Verified Client, Merseyside
What were the circumstances that caused you to look for a Financial adviser? The changing environment for pensions meant that I decided to seek professional advice. How did Paul help you? Paul gave me the advice I was looking for, and of a high quality. He was very thorough and clear right through the process. What is your current situation? Have you seen the outcome you were hoping for? I am very pleased with the outcome. What could they have done better? I believe Paul gave me an outstanding professional service. I couldn't ask for any better.
Verified Client, Merseyside
What were the circumstances that caused you to look for a Financial adviser? To ensure my future is secure, save for early retirement. How did Paul help you? I often say to Paul that he saved my life..Paul's knowledge of the world wide markets ensures my money is well looked after..his both professional and personal approach is second to none. What is your current situation? Have you seen the outcome you were hoping for? I am half way through my ten year opted commitment and so far it's looking good. What could they have done better? Absolutely nothing..Paul maintains regular contact and advice on future investments for my portfolio.
Verified Client, Merseyside
What were the circumstances that caused you to look for a Financial adviser? For getting the best from my business pension and planning for my retirement. How did Paul help you? Everything relating to my pension was explained clearly and put to me in terms I could understand, which is possibly the most important thing as it gave me a clear picture on where my investments sit and the control I have over them. What is your current situation? Have you seen the outcome you were hoping for? Yes, I have a policy I feel in control of, that's flexible and easy to see and plan out my retirement strategy. So I'm very happy with my pension arrangement and the help I've received. What could they have done better? Everything was carried out with the highest level of professionalism but also personable care and attention to my own set of circumstances. So, can't think of anything my FA could have done better
Verified Client, Kent
What were the circumstances that caused you to look for a Financial adviser? To invest additional income that would work to provide the returns for my retirement lifestyle. How did Paul help you? Paul fully understood my needs and provided excellent advice and investment strategy to achieve my goals. He explained everything in an easily understood way and answered all my questions satisfactory. What is your current situation? Have you seen the outcome you were hoping for? I am very happy with Paul's advice and the investment is proceeding as expected, which means my retirement lifestyle will be available to be enjoyed. What could they have done better? Nothing, I am extremely happy with the way Paul conducted his business
Verified Client, Stirlingshire
What were the circumstances that caused you to look for a Financial adviser? Looking for good good returns and financial security in the future. How did Paul help you? Good discussion about future plansTime not a problem when explaing financial products and featuresI feel I have achieved Consolodation and sound managment. What is your current situation? Have you seen the outcome you were hoping for? Early days but so far so good.
Verified Client, Aberdeenshire
About us

Providing full bespoke, independent advice using whole of market solutions. Working closely with individuals, business owners and charities.

Our services

Put the client first at all times by listening carefully to your goals and needs so we can provide the most appropriate solution, both now and on an ongoing basis. We do not charge fees unless we can identify that we can add value and the client subsequently agrees to them.

Where to find us
Head office address: Apex Independent Financial Planning Ltd, Elm Lodge, 14 Elbow Lane, Formby, Merseyside, L37 4AF
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£500,000
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
10/10
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FCA authorised
Last authorised 19th October 2020

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