Niven Financial Ltd

Independent Financial Adviser  10, Prestonpans, East lothian, EH32 0DL
First meeting at adviser's own cost
£5,645,986 funds under management ( @ 05/03/2015).
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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Pensions transfer
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SIPPs
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Stakeholder
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Buy my next home
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Buy to let
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Buying commercial property
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Buying first home
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Equity release
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High loan to value
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Next home / Remortgaging
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Right to buy
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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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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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Savings for children
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Buildings and contents
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Home and leisure
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Large business
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Small business
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Commercial mortgages
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Corporate pension
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Group Pension/Stakeholder
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Stockbroking services
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 25th May 2020
Meet our advisers
John Niven Miller DipPFS
Company Director

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 principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.

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 assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

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

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

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, lifetime mortgage products and the giving of mortgage advice.

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.

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

What our clients say
John is extremely collaborative, helpful and gives us the information we need when we need it. Once we have decided on a product he handles everything efficiently.
Tim, Cheshire
John responds quickly to requests , keeps us up to date with any new shares that we could be interested in.He knows how much risk we are willing to take and changes investment s accordingly. John is easy to talk to and quite willing to give us a visit at home to deliver forms for signature.Recently he was very helpful to me in getting my mothers will drawn up and legal.
Carol, Melrose
This is the first time I have had a Financial Advisor so I am new to it and would highly recommend John Miller for his hands on approach and ability to recognise just exactly what is required to support my needs best. He is easily contactable and does what he says he will do . I don\'t have to chase him. He takes the jargon out of the sometimes difficult to understand reading and simplify\'s it.
Judith, Musselburgh
About us

• We are Independent Financial Advisers.
• Independent Financial Advisers work for the client.
• We are not Restricted Advisers.
• We are not restricted to Products our Network /Company wants to offer you.
• We are not going to shoehorn your money or investments into a ready made Portfolio.
• We make the business decisions in the Lothians, not London or Offshore.
• We are the owners of the business not some distant partners.
• We are not owned by Insurance Companies Shareholders trying to promote their products.

Our services

John Miller is a member of the Personal Finance Society , the Society of Mortgage Professionals and the Chartered Insurance Institute.
John Miller is also;
EFPA European Financial Advisor.

Where to find us
Head office address: 10, Elcho Place, Port Seton, Prestonpans, East Lothian, EH32 0DL
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 25th May 2020

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