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
check
Annuity purchase
check
Pension consolidation
check
Pension drawdown
check
Pensions & retirement planning
check
Pensions review
check
Pensions transfer
check
SIPPs
check
Stakeholder
check
Wealth management
check
ISA / Unit Trusts / OEICs
check
Investing for income
check
Investment trusts
check
OEICs
check
Offshore investments
check
Unit trusts
check
Lump sum
check
Regular savings
check
School fees planning
check
Critical illness
check
Income protection insurance
check
Life insurance
check
Small business
check
Capital gains tax
check
Estate planning
check
Income tax
Response rating
9.0/10
check
FCA authorised
Last authorised 15th January 2020
Meet our advisers
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 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
We found Andrew to be friendly and approachable. Although we had money to invest he pointed out that given our circumstances we didn't necessarily need to do so if we wanted to avoid risk. There was no sell hard or otherwise of products or investments obviously a big advantage of paying for advice rather than commission based sales. The lifetime financial plan we paid for is a very useful document well worth doing. We have a clear understanding of our financial situation now and for the future.
Martin, Surrey
Making choices and have greater control over income flexibility in retirement This is a complicated strategy and requires an expert help from independent Financial Adviser. He listens. He was clear and concise. We are very happy with the outcome and his report. We would have no hesitation recommending to others.
Ramish & Harsha Gor, Berkshire
Very much appreciated the 'up front' cost for the advice. As it happened we did not change our investments, so there was no hard sell of products just to make some commission. The computer-based tool was very flexible, easy to follow and we could tweak assumptions as much as we wanted. Andrew answered our questions in a language we could follow and was patient throughout. The end result was peace of mind for us.
Alex, Surrey
Andrew has done a great job of helping us financially plan our future and meet our financial goals. This has included detailed scenario planning and forecasting of our future wealth based on potential life decisions and events such as retiring early, private eduction, etc. Andrew has also ensured we keep a balanced level of risk in our investment portfolio to ensure we maximise our hard earned savings without over exposure to unnecessary risk.
Martin & Anne, Surrey
Andrew completely 'got' me, my situation and goals. He is happy to spend the time, never rushed, always fully focused. Always responsive on email and to queries. I had little time to do the essential early background work that only I could do and he had endless patience, and just the right approach, on this and had a good way of prompting, without being pushy. He's a nice person too which makes such a difference!
Helen, London
Andrew did an excellent job of career/lifetime financial planning, taking a commonsense and personally engaged approach. I was confident that he wanted to produce a sensible, workable plan, and was not simply trying to sell financial products. Approachable and sensible. Excellent to work with.
David, London
It is lovely to have an adviser who is friendly and relaxed. Andrew always listens carefully and does not try to set the agenda. I very much appreciate the annual review visit and the useful summaries which accompany it. The visit is followed by a comprehensive report of our discussions. I feel that my investments are in safe hands and any questions I have will be considered with respect.
Elaine, London
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 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
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 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
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

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
Advice methods
  • phoneButton
    Telephone
  • mouse
    Online (Live chat, video, email)
  • icons
    Face to face
Response rating
9.0/10
check
FCA authorised
Last authorised 15th January 2020

Similar advisers near you

Independent Financial Adviser 3.97 mi
Friendly, Professional, Independent financial advice from local people you can trust.
 
Independent Financial Adviser 4.15 mi
We have three qualified IFAs who between them have extensive experience in advising on all aspects of personal financial planning.
 
Independent Financial Adviser 4.5 mi
We take care in identifying the customers overall requirements and pride ourselves on building long term relationships.
 
Independent Financial Adviser 7.53 mi
To help my clients understand their financial situation, protect what they already have and increase the value of their assets.