Neligan Financial Ltd

Independent Financial Adviser  9 Middle Street, East Budleigh, Devon, EX9 7DQ
First meeting at adviser's own cost
Chartered, Certified Financial Planners; providing independent advice to people in Exeter, Sidmouth, Exmouth, Tiverton, Honiton, Seaton, Crediton & surrounding areas.
We can advise you on
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Annuity purchase
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Pension consolidation
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Pension drawdown
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Pensions & retirement planning
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Pensions review
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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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Unit trusts
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Lump sum
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Regular savings
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School fees planning
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Capital gains tax
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Estate planning
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Income tax
Response rating
9.0/10
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FCA authorised
Last authorised 21st June 2021
Meet our advisers
MR Andrew Neligan
Owner

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

At the end of this unit, candidates should be able to demonstrate an understanding of: the main legal forms of business and how they are set up and managed; the consequences of bankruptcy or insolvency; business accounts and financial controls; the taxation of each type of business entity, its owners and employees; the main legal responsibilities businesses have to employees, suppliers and customers.

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

This examination assessed knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

Accreditations
Certified Financial Planner Chartered Financial Planner
What our clients say
I needed formal advice regarding a (significant) transfer out from a Defined Benefits pension scheme. I started out very much thinking this was simply a regulatory hurdle to jump, but Andrew approached the process with demonstrable professionalism: he captured the detail behind a very complex situation, helping me to consider the alternatives with rational clarity. I found his surfacing of risk and alternatives very useful indeed, and he demonstrated a very high ability to listen and pick out key facts and details of relevance. I had been looking for someone to sign a piece of paper for me; I found someone who helped me action a very significant decision with confidence that I really did know what I was doing, that I understood the risks I was taking, and that I was acting properly within the context of my personal life objectives rather than simply meeting a discrete financial objective. Also worth noting is his respectful attitude to his clients: I was clear that I did not at this stage want someone to manage my pension fund, and he was willing to work in an advisory role - a number of IFAs I approached still appeared to want their ongoing percentage and insisted on linking their initial advice service with a tied management commitment, at inflated cost.
Ward, Exeter, Devon
A previous adviser had retired and we were looking for an overall review of our finances and development of a plan for our years ahead. Andrew helped us to look at our life goals and how we could then achieve them. Other previous advisors have focused on the money without really looking at what it is needed for.
Alan & Rebecca, Sidmouth, Devon
I contacted Andrew because I wanted a review of my pensions and investments, including Defined Benefit pensions I have. What I received was much more than this. We now have the peace of mind that my wife and I are financially secure for our eventual retirement. On top of that Andrew opened our eyes to simple but effective ways to structure our money that will save significant money in our lifetime and on our death. We found Andrew to be an attentive listener who took time to understand us. He also offered clear explanations of the more complicated financial aspects. We don't feel that we need an ongoing relationship at this time but we are confident Andrew will be the right person to assist us when that time comes.
Nigel & Jenny, Exmouth, Devon
I had a number of private pension policies that required reviewing and simplifying. Andrew has packaged them so my investment strategy can easily be modified in the future subject to his advice, my wishes and market circumstances. My main priority was finding an IFA with the highest possible level of personal integrity and honesty. Andrew carefully evaluated my circumstances and long-term objectives. He took time to understand my perspective and has offered solutions to meet my needs. This will be a long-term relationship, but I have every confidence that I have made a good choice in selecting Andrew to advise me
Andrew, Somerset
I wanted to understand whether my finances (and my husband's) would be sufficient to cover an early retirement or whether I would need to keep on working for another few years. Andrew was able to demonstrate that the savings we had made throughout our lives together with our pension provisions were substantial enough to allow for early retirement - which was an amazing feeling and has allowed us to follow our dream and go travelling whilst we still have our health. Andrew gave us advice on pensions. I was very negative when I started the process as I thought that a pension was not a good thing - that "my" money that I had worked hard for was going to be tied up and not available for me to spend as I wanted to. The changes to pensions that came in this year have worked in our favour and Andrew took time to explain the benefits and negatives of all the new options. Before I received his advice I wanted to take out as much money as I could and invest it in property, which I felt I understood and could control, however thanks to Andrew's patience it became clear that although I could have done this, it was much more sensible to opt for the SIPS type of pension scheme and that money is available whenever it is needed, but if not it continues to earn money. Yes. Better than I could ever have expected.
Richard & Elizabeth, Surrey
I had used the services of a previous Financial Advisor for a number of years who had been relatively inexpensive, but the price paid for this was that the timescales to complete an investment request had become unacceptable and mistakes had begun to creep in, therefore I had to start to manage and review everything the advisor was conducting. Eventually I took the decision to look for a "Professional" advisor that not only was knowledgeable about estate planning but had solid project management skills. Andrew conducted a meeting with us to establish what advise we were looking for and during the course of this meeting demonstrated active listening skills to fully understand and challenge our assumptions to maximise our goals. We have just finished the implementation phase of the estate planning after a late change in the goals due to changing circumstances, so at this early stage I am happy with the results and I am sure that Andrew will be proactive to advise as legislation or cir
Stephen, Exmouth
Andrew has helped me plan properly for the future, from a financial perspective - and it wasn't as scary as I first thought! I feel like I have a plan and that my money is in the right place, working for me - I wish I'd done it so much sooner. Andrew is supportive, honest and took time to understand my relationship with money, my situation and my dreams. Then came up with the perfect investment plan. Wouldn't hesitate to recommend!
Sarah, Exmouth
Prior to meeting Andrew I was frustrated by the murky waters of the pensions, investments and retirement saving. Andrew provided the detailed analysis, projections, clarity and transparency that I needed, but he provided a lot more than that - his personal approach meant he took the time to understand the humans behind the numbers and what really matters to them. His approach makes a difference, I now I know my family will be taken care of after I am gone.
Simon, Wigan
Approaching my retirement, I felt I needed some guidance. So pleased I found Andrew. He is friendly, approachable and very professional. I took his advice and am very happy with the outcome. Would definitely use his services again and certainly recommend Neligan Financial.
Lyn, Honiton
Excellent service really getting to understand our needs and wants, with a very clear report
Rob, Whimple
Andrew sat down with us for a couple of hours and quickly understood our situation and needs. He explained the baffling world of finance to us in a way that we could understand and make informed decisions based on his honest advice and considerable experience. I have no hesitation in fully recommending his expertise.
Ross, Budleigh
About us

We believe people should ideally choose to work with Financial Planners who are:

1. Chartered
2. Certified
3. Independent

We tick all three boxes. Our Financial Planner, Andrew Neligan, is a Chartered Financial Planner (CII), a Certified Financial Planner (IFP) and a Chartered Wealth Manager (CISI). This means that we have the technical expertise, practical experience and financial planning skills to ensure you receive the best possible advice, service and support.

We are also specialists, working with two groups of people:

1. People approaching retirement

You’re starting to think about the future but might not be ready to retire for another 10 to 15 years. Nevertheless, you want to ensure you reach that point with a thorough strategy already in place.

2. People at retirement

Whether you’re ready to stop work completely or transition into retirement by continuing to work on your terms, you want to feel confident and secure in your financial situation.

Whichever category you fall under, we specialise in creating bespoke and purposeful financial strategies that will enable you to enjoy a successful retirement.

Our services

There are many things which separate us from other firms, including:

• We are Financial Planners: We are less concerned with your money, and more concerned with you; your goals and objectives for the future.
• We are experts: Our Financial Planner, Andrew Neligan, is a Chartered Financial Planner (CII), a Certified Financial Planner (IFP) and a Chartered Wealth Manager (CISI).
• We are independent: As an independent firm, we are able to recommend financial products (ISAs, pensions, etc.) from the whole market. You can therefore rest assured that the solutions suggested are truly bespoke and fit for purpose.

Where to find us
Head office address: 9 Middle Street, East Budleigh, Devon, EX9 7DQ
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 21st June 2021

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