Andrew Neligan

Please provide a brief comment about your experience with Andrew

Willing to spend more than sufficient time talking through everything with me . Very understanding of my situation .

Please provide a brief comment about your experience with Andrew

He was considerate , understanding not pushy and warmly enthusiastic. He was able to identify my needs and offered the possible routes which I can now choose from .

Please provide a brief comment about your experience with Andrew

Andrew was very accommodating and interested in what I had to say. He asked very pertinent questions and was very easy to talk to. I would recommend anybody having an initial chat with him about their finances to see if he can help.

What were the circumstances that caused you to initially look for an adviser?

Pension planning

How has Andrew Neligan helped you?

Clear advice on the best way to proceed

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Please provide a brief comment about your experience with Andrew

Andrew has been friendly, helpful, reassuring and well informed.

Please provide a brief comment about your experience with Andrew

Andrew was very professional and patient. He took the time to clearly explains things.

What were the circumstances that caused you to initially look for an adviser?

I was initially interested in a financial planner, to help model cash flows from self-employed income, and to help me think about options for continuing work or retiring. We have since worked together over a long period with Andrew providing advice on pensions, retirement, and a host of finance-related issues.

How has Andrew Neligan helped you?

Andrew has for many years been an invaluable source of guidance. I decided to stick with him when he based himself in Devon, and am very pleased I did so. I find his cash flow modelling extremely useful, in providing reassurance and fresh perspectives on income, savings and retirement, and helping to look at different life scenarios. He has also helped in a far wider sense. He wisely looks at the bigger picture of what is important in one’s life, and what is going on generally, before embarking on financial details. This has been incredibly useful in putting the financial planning into perspective. He also gently challenges my thinking at times, which is important. Recently, he focused on pension and retirement planning, in circumstances complicated by a difficult illness in the family. He pulled together relevant information about pensions, steered a path through the pensions maze / jargon, and came up with a sensible strategy for buying an annuity and planning for future drawdown. After talking it through, he implemented it rapidly, handling paperwork and dealing with pensions companies promptly and effectively. All this has been achieved with tremendous intelligence, efficiency, sensitivity and compassion. He is also proactive in keeping in touch, and seems constantly aware of the need to provide a high level of service.

Have you seen the outcome you were hoping for?

Yes. Firstly, over many years Andrew has helped me to develop financial plans, checking that I’m on track, and providing reassurance. Secondly, he has been an invaluable sounding board on many issues with financial implications. Thirdly, he has encouraged me to think about estate planning, and has helped implement a series of steps on that front. Fourthly, he has advised on pensions and retirement income very effectively. His advice is characterized by clarity and common sense. He’s proved to be a valued and trusted adviser, in the true sense of the word. I have recommended him to others, including my daughter (who now uses his services).

What could they have done better?

I don’t think anything could have been done better. I like his cashflow modelling approach to planning, although that might not be for everyone. It can seem like a complex process, but we’ve refined it together over the years, and it’s been invaluable in clarifying thinking about finances. It is helpful that he is interested in the bigger picture, and aims for relative simplicity, rather than complicated, costly, financial strategies. He has a well-thought out approach to investment; in my case, he has essentially favoured largely passive funds in portfolios constructed by others, in a cost-effective way. Obviously, these features reflect his personality and thinking. They might not suit everyone, but have worked well for me.

What were the circumstances that caused you to initially look for an adviser?

I was looking for advice to confirm we were on track for a retirement or scale down of work it the medium-term, I was aware that we had various pots of money but was uncertain if we were on track, what more we should be doing, whether they were best invested.

How has Andrew Neligan helped you?

Andrew spent time with us understanding our circumstances, our family, our motivations and our concerns. He then plotted based on our current position what retirement date could look like, this helped us identify additional actions. He also reviewed our existing pots and structure them more effectively for our longer term goals.

Have you seen the outcome you were hoping for?

Fingers crossed! I am very happy with the time and thought which Andrew gave us, his recommendations clearly took into account our profiles and he was available throughout as I restructured things.

What were the circumstances that caused you to initially look for an adviser?

Considering retiring

How has Andrew Neligan helped you?

Reviewed my aims and advised on the best course of action to achieve them. Found the right investment route to match my attitudes to ethics and risk. Andrew was very thorough on my exit to an annuity and alternative options for drawdown, considering tax implications and my questions in patient detail. I was very happy with the full explanations and end result

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

Reaching retirement, and therefore looking for advice and assistance with pension options. Also looking for more general advice and guidance with financial planning

How has Andrew Neligan helped you?

With a step-by-step approach, starting with financial planning / modelling, then moving on to specific advice and implementation of recommendations

Have you seen the outcome you were hoping for?

Yes, fully.

What could they have done better?

Very little. Some points around the pensions and transfer options were relatively complex and we had a few queries when reading a report that Andrew provided - this was probably inevitable and our questions were all clearly answered when we met to step through the recommendations

What were the circumstances that caused you to initially look for an adviser?

Planning for retirement and a periodic review of life balance

How has Andrew Neligan helped you?

Got to know us and our aspirations in retirement and put in place investments to make best use of our capital

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Andrew has fulfilled our financial needs in a friendly and professional manner, we are entirely happy

What were the circumstances that caused you to initially look for an adviser?

My husband and I are both independent contractors and wanted to ensure we were sensible with our finances and prepared for the future.

How has Andrew Neligan helped you?

Andrew listened to our needs and advised us. He is sensible and compassionate. He understood what we wanted to achieve and explained what we could do simply and effectively.

Have you seen the outcome you were hoping for?

It’s a long term plan but we feel confident we are in the best hands.

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I had savings in various investments and I wanted them consolidated in a way that would be easy for me to keep track of. I needed an advisor to sort this out.

How has Andrew Neligan helped you?

He was very prompt and helpful when I had some tax queries.

Have you seen the outcome you were hoping for?

I can definitely see the value of my savings easily.

What could they have done better?

I have been satisfied with the work on my behalf.

What were the circumstances that caused you to initially look for an adviser?

Having children and wanting to invest and estate plan

How has Andrew Neligan helped you?

ISA and pension investment decisions, financial modelling and estate planning

Have you seen the outcome you were hoping for?

Markets could have been better, but we have stuck to the plan

What were the circumstances that caused you to initially look for an adviser?

Required a new advisor for investment advise.

How has Andrew Neligan helped you?

We needed someone to advise us on some investments and as to whether they were invested the best way for our needs. We spoke to Andrew at Neligan Financial and had our first meeting. We found him to be professional, constructive, most helpful and kept us fully informed of his suggestions at all times. We would have no hesitation in recommending Andrew to anyone looking for financial advise.

Have you seen the outcome you were hoping for?

Yes currently.

What were the circumstances that caused you to initially look for an adviser?

I wanted to get a fuller understanding of of my financial situation on retirement and to make the right decisions in the last few years of my career.

How has Andrew Neligan helped you?

Andrew helped me see the long term and bigger picture in terms of my financial situation. He explained the different options available to me and the implications of each decision, and then guided and supported me to find the optimum retirement solution.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Needed some professional advice from a respected IFA.

How has Andrew Neligan helped you?

Carefully listened to our requirements, analysed the information we provided, presented his findings and recommendations, enacted the agreed changes.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

What were the circumstances that caused you to initially look for an adviser?

We were a few years from retirement and wanted to achieve better returns via investments and consider personal pension options.

How has Andrew Neligan helped you?

We have benefitted from Andrew’s advice over the last five years. When initially looking for a financial advisor we had meetings with various alternatives. We choose Andrew because his approach involved a thorough assessment of our circumstance and aspirations, and he also made an effort to explain unfamiliar financial concepts to us in simple terms. We have found him to be knowledgeable, friendly and professional. He has been responsive and timely when we have questions, and always helpfully providing clear answers and recommendations. We have followed his advice regarding personal pensions and investments and have been pleased with the results over recent years. We can highly recommend his services to others.

Have you seen the outcome you were hoping for?

Yes. We both set up personal pensions and made investments.

What could they have done better?

Nothing comes to mind.

Please provide a brief comment about your experience with Andrew

Very helpful and concise, thank you

Please provide a brief comment about your experience with Andrew

He listened more than he talked and helped me to work out what I want and need. He impressed me the first time we met. I know his family and so my trust is based on more than just a positive impression.

Please provide a brief comment about your experience with Andrew

A very helpful first meeting with Andrew. He has a calm and thoughtful manner, listened carefully, and asked us a number of insightful questions. It's clear that he takes a holistic approach to financial planning, and we feel very confident in engaging Andrew to help us

Please provide a brief comment about your experience with Andrew

My first meeting was valuable,Andrew listened to me and gained an accurate idea of what I need ,gave some helpful advice to start me off. Andrew has a kind friendly manner and I was very impressed with this first meeting.

What were the circumstances that caused you to initially look for an adviser?

Approaching age 60 and wanting to understand my financial situation and pension expectation.

How has Andrew Neligan helped you?

Andrew has provided information regarding my finances, including pensions, in a clear and accessible manner.

Have you seen the outcome you were hoping for?

Yes, I understand my pension situation now and am confident about financial decisions I need to make.

What were the circumstances that caused you to initially look for an adviser?

We wanted a better understanding of where we stood financially, having recently had an inheritance.

How has Andrew Neligan helped you?

He has helped us look at retiring earlier than previously planned, reducing working hours in the approach to retirement, and understanding how we may be able to support our dependants.

Have you seen the outcome you were hoping for?

We didn't necessarily have an outcome we were specifically looking for - we just wanted to understand where we stood. The outcome has been enlightening, and has showed us some options that we didn't necessarily think we had. So in that respect, certainly very positive.

What could they have done better?

Really not very much / nothing?... certainly nothing obvious or in any way significant.

Please provide a brief comment about your experience with Andrew

My wife and I are reviewing our options and have to decide whether to leave our current -very corporate- IFA for an adviser who has a personal approach. Trust is at the heart of any such relationship and I am satisfied that Andrew is someone that we can trust and I would feel confident that he would be a sound support for my wife in the event of my death. It is also apparent that Andrew listens so that one feels that a personal plan will be provided rather than being shoe-horned into a corporate product. We have yet to examine performance details and costs.

What were the circumstances that caused you to initially look for an adviser?

Approaching 50 and starting to think about what to do with the various pensions i had from previous workplaces and whether it was better to consolidate.

How has Andrew Neligan helped you?

Andrew has helped my wife and I to consolidate our pensions into a new scheme which I am confident will provide a better return than if they had remained with the previous providers. Andrew took us through an extensive process of understanding our needs and has been very patient explaining all of our options before we finally made a decision. He has also gone the extra mile to suggest where we should perhaps look at income protection insurance and revisit our life insurance and put us in contact with a specialist in that market and we are now in the process of putting those new policies in place.

Have you seen the outcome you were hoping for?

Yes and more.

What could they have done better?

Nothing really, we have been very impressed with Andrew’s personal touch and depth of knowledge and feel confident that our pensions are in safe hands

Please provide a brief comment about your experience with Andrew

Andrew has been reliable, knowledgeable and informative about financial planning & pensions and he has helped me to understand financial stuff that I can find confusing.

What were the circumstances that caused you to initially look for an adviser?

Approaching retirement

How has Andrew Neligan helped you?

Good clear information and carried out the planned investments.

Have you seen the outcome you were hoping for?

I have confidence I will.

What could they have done better?

Everything I wanted has been achieved

What were the circumstances that caused you to initially look for an adviser?

Approaching retirement, trying to understand whether we could afford to retire comfortably.

How has Andrew Neligan helped you?

Took the time to understand us, what drives us, what we were/are looking for from life and from investments. Ran financial models based on different assumptions. Made recommendations on pensions.

Have you seen the outcome you were hoping for?

Yes, and more.

What could they have done better?

Can't think of anything.

What were the circumstances that caused you to initially look for an adviser?

My husband and I are both independent IT contractors no longer reliant on a company pension or benefits. We wanted to invest in our future on our own terms.

How has Andrew Neligan helped you?

Andrew has helped us consolidate our investments and pensions and plan for our future and our children’s inheritance.

Have you seen the outcome you were hoping for?

Yes Andrew offered fair and impartial advice, answered all our questions and concerns, and explained everything clearly.

What were the circumstances that caused you to initially look for an adviser?

It was a long time since I had my various savings reviewed and I wanted them to be easier to manage.

How has Andrew Neligan helped you?

Initially he assessed my financial situation carefully and, with my consent, transferred some of my savings into a long term plan. I have just had my first annual review.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am completely happy with the help I have received.

Please provide a brief comment about your experience with Andrew

Really personable, friendly and helpful in exploring potential options for our future. Many thanks and lots to consider!

Please provide a brief comment about your experience with Andrew

Great experience with Andrew - knowledgable, friendly and pragmatic in his approach.

Please provide a brief comment about your experience with Andrew

My husband and I met Andrew for an initial conversation about our short and longer term financial goals. We were really impressed by his questioning which helped us to think about our priorities for the short term as well as our plans for retirement. He was able to give us some really interesting financial ideas which we hadn't considered before and which will help us shape our plans. During this initial meeting, Andrew had a look at my various pension plans and was able to provide me with some reassurance on these and answer a few questions I had. Although we are not in a position to seek further assistance from Andrew at this time, we are very keen to employ his services in the future.

Please provide a brief comment about your experience with Andrew

I recently met with Andrew to discuss a tax planning matter and I found him friendly, empathetic and constructive. He is a very good listener and asks probing and pertinent questions which helped me clarify my thoughts and made my my future planning decisions clearer and in sharper focus. I would recommend him to friends and colleagues in the future as a thoroughly professional and caring adviser.

What were the circumstances that caused you to initially look for an adviser?

For help and advice on pension provision.

How has Andrew Neligan helped you?

Andrew has advised me regarding pension options and helped me reach a decision with an acceptable outcome in the circumstances.

Have you seen the outcome you were hoping for?

Yes. The general financial climate has affected my final pension negatively, but Andrew has done his best to maximise what is available.

What could they have done better?

I am happy with the advice and service Andrew has provided.

What were the circumstances that caused you to initially look for an adviser?

We needed professional advice in relation to pension and financial planning.

How has Andrew Neligan helped you?

Andrew took a very thorough and personalised approach to understanding our specific circumstances and aspirations, both financial and personal. He took the time to listen to our requirements as well as prompting us to think through our financial objectives, particularly our pension and retirement planning options. Andrew has helped us to have a clearer and concrete financial plan for the future; we would not hesitate recommend him to friends and family, particularly those needing to get their pension and retirement plans on track.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

What were the circumstances that caused you to initially look for an adviser?

I was keen to get good advice to plan early retirement without losing my lifestyle - and to make my money work as hard as it could for me

How has Andrew Neligan helped you?

Andrew has moved my pension and S&S ISA to better performing funds and helped me to keep sensible cash reserves whilst investing other monies to gain better returns.

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

N/A

What were the circumstances that caused you to initially look for an adviser?

Needed overall review of finances and a clear investment strategy

How has Andrew Neligan helped you?

Helps to provide clarity of financial and life goals

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Make financial investment simpler! This is not their fault but the industry as a whole is complex for those who are not involved in it day to day.

What were the circumstances that caused you to initially look for an adviser?

Planning for Retirement

How has Andrew Neligan helped you?

By providing the financial appraisal and advice.

Have you seen the outcome you were hoping for?

We wanted a financial appraisal and guidance, which we received.

What were the circumstances that caused you to initially look for an adviser?

Both my wife and I were approaching retirement and needed an expert to look at our pensions and savings.

How has Andrew Neligan helped you?

Andrew has reviewed our finances thoroughly and worked out a plan that best suits our needs.

Have you seen the outcome you were hoping for?

Yes. We feel confident that our finances are sorted and in the best possible condition for the future.

What could they have done better?

I am not aware of anything that could have been improved.

What were the circumstances that caused you to initially look for an adviser?

We needed particular advice on what to do with a number of pensions as well as looking at our present savings/investments.

How has Andrew Neligan helped you?

Andrew clarified our pension pathway options and helped us to see the benefits and disadvantages of each option. He helped us to see how our decisions would impact future changes in our personal circumstances.

Have you seen the outcome you were hoping for?

Yes we now feel we are can be confident that we are making the best use of our future pension income. We are reassured that our savings and investments are well-invested.

What could they have done better?

We are totally happy with the advice we have received and cannot think of any way Andrew could have improved his service.

What were the circumstances that caused you to initially look for an adviser?

Sanity check on whether retirement was financially sensible

How has Andrew Neligan helped you?

Detailed assessed of goals for retirement and existing financial assets

Have you seen the outcome you were hoping for?

Too early to tell, but advice and detailed information suggests we've done the right thing.

What were the circumstances that caused you to initially look for an adviser?

I came back to Andrew to as I wanted a review of my finances and to make decisions about my mortgages.

How has Andrew Neligan helped you?

Andrew looked at my long term plans and goals, and worked out the most cost effective way to reduce my debts.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I honestly don't think there's anything that Andrew doesn't do well - he is extremely thorough, very personable, and importantly for me, very patient. He doesn't rush me and is happy to go at my pace in order to help me understand the various implications of my decisions. I really appreciate his way of working.

What were the circumstances that caused you to initially look for an adviser?

I was fortunate to choose Andrew amid a number of other local FCA regulated advisors, based upon an open and informative style, proactive management of a complex pension transfer, fair fee structure, and regular updates on market conditions coupled to associated investment considerations

How has Andrew Neligan helped you?

Andrew was able to help a complex pension transfer from an unregulated platform, to one that is now within the FCA framework. Andrew also spends much time and effort establishing (and updating) your needs, and modelling options to help select the best course of action

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

I am more than happy with the help from Andrew, his great accessibility, and fast turn around on management of my portfolio

What were the circumstances that caused you to initially look for an adviser?

I wanted advice regarding whether to take a tax free lump sum or higher pension from my defined benefit (DB) scheme. I also wanted to confirm that taking my DB pension from age 55 was financially advantageous vs. waiting until age 60 (the standard retirement age under the scheme).

How has Andrew Neligan helped you?

Andrew helped me answer two important retirement questions in relation to my defined benefit pension: i) Whether to take the tax free lump sum or a higher pension; ii) Whether to retire at 55 or later. Andrew did this by firstly producing a detailed cashflow model covering the rest of my life (and my wife's), which that was used as part of the overall decision framework. Andrew also looked at my circumstances, plans, priorities and attitude to risk. I particularly liked the income vs. expenditure coverage lens and getting a sense of how much I could afford to spend each year for the rest of my life without money running out.

Have you seen the outcome you were hoping for?

I was pleased with the advice, which confirmed my own analysis that taking a pension from 55 was financially & tax-optimal. Andrew's recommendation to take the tax free lump sum was probably not what I expected but he presented a strong overall case for this, based on both financial and non-financial reasons. I took his advice in both cases.

What could they have done better?

The cashflow modelling is quite complex so understanding the assumptions and sensitivities took a little while.

What were the circumstances that caused you to initially look for an adviser?

I wanted to organise some aspects of my finances better. In particular I had several small defined contribution pension pots that I wanted to combine, and also a number of cash ISAs that had a very low rate of growth that I felt could do better as an Investment ISA

How has Andrew Neligan helped you?

Andrew has been excellent throughout. He took time and care. Our first meeting, which was at no cost to me, focused on where my finances were currently, what I wanted to achieve for the future and what level of risk I would be happy to accept. Andrew then provided me with a detailed written report. All charges that would be involved were laid out in his report. We then met again in order for me to discuss the report - the options he had outlined and his recommendations. There was no pressure at all on me to agree to any of his recommendations. Once I decided on what I wanted to take forward Andrew managed the process very efficiently - he has been accessible and helpful and whenever I have had questions he has responded quickly.

Have you seen the outcome you were hoping for?

Yes. My finances are much better organised and I can easily track growth.

What could they have done better?

Nothing. I was content with the service that I received.

What were the circumstances that caused you to initially look for an adviser?

I wanted to understand what sort of lifestyle my existing pensions, savings and investments would give me in retirement to allow me to adjust and plan. I also wanted advice on how to plan, including budgeting, and how to invest any additional money and whether to consolidate existing investments.

How has Andrew Neligan helped you?

He thoroughly reviewed my finances and my spending. He assessed my risk tolerance and risk profile. He provided modelling and financial scenarios for retirement based on certain variables. He provided the advice on where and how to invest (and consolidate) based on that risk profile, and to maximise tax efficiency. Importantly he took time to get to know me and he adapted his approach and his advice well taking that into account. He regularly reviews my situation and is available for any ad hoc matters or issues.

Have you seen the outcome you were hoping for?

Yes I have. I understand how I'm positioned for retirement and feel more confident about my budgeting and spending. It's good to have somebody guiding me financially.

What could they have done better?

Nothing.

Please provide a brief comment about your experience with Andrew

Andrew is very professional in his approach and was a pleasure to speak to. Judging by his website, newsletters and on line video advice which he kindly gave me access to, he clearly has experience and creditability as an Independent Financial Advisor. Should I wish to proceed I would have no hesitation in using Andrew to assist with my portfolio and requirements in the future.

What were the circumstances that caused you to initially look for an adviser?

I had not had a review of my savings for many years and I had savings in various investments which I found very difficult to understand and keep track of.

How has Andrew Neligan helped you?

By introductory (free) video call and appointment, he carefully assessed my investments, future plans and what I hoped to achieve from his advice. He also explained his services and the costs of the financial work. He sent me a very detailed report of the how he could meet my aims of simplifying my savings taking into account my views on investments and the amount of risk I was prepared to take.

Have you seen the outcome you were hoping for?

Yes, I can now view my investments easily and I understand what I might expect from them (approximately) in the future. Throughout the process, Andrew was always willing to answer any queries I had. I felt under no pressure to fully implement his advice but I decided to follow all of his recommendations.

What could they have done better?

I was very pleased with the advice and help I received and I really couldn’t expect anything more.

This review is a follow-up review from a client who left a review previously.

How has Andrew Neligan helped you since your last review?

Andrew has shown us a clear and realistic plan for my retirement, taking away the worries and concerns as I looked to leave my old firm and start a new business

What were the circumstances that caused you to initially look for an adviser?

Investment of my Mother's finances for her future

How has Andrew Neligan helped you?

Planned and carried out her investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

NO

What were the circumstances that caused you to initially look for an adviser?

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.

How has Andrew Neligan helped you?

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.

Have you seen the outcome you were hoping for?

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 circumstances may effect the current solution.

What could they have done better?

I cannot think of any other recommendation as to the overall service up to this point.

What were the circumstances that caused you to initially look for an adviser?

Approaching 60, single and with plans for a major home relocation, I wanted advice on how best to ensure my financial future.

How has Andrew Neligan helped you?

l am not a 'numbers' person so it's essential I work with someone who has the patience and time to help me properly understand the choices I have available.

Have you seen the outcome you were hoping for?

As well as the obvious benefits of monetary advice, I feel reassured that I've worked with someone who has taken the time to really get to know my aspirations for the future and has considered all the options open to me at this point in my life, and how best to ensure I am secure for the future.

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I wanted to transfer out of a Defined Benefit Plan and into a flexible draw pension. The value of my pension required me to seek the advice of a IFA

How has Andrew Neligan helped you?

Andrew, prepared a report and evaluation of my finances and retirement planning in accordance with the regulations covering Pension transfers.

Have you seen the outcome you were hoping for?

Yes. Based on his evaluation of my personal circumstances, Andrew was able to recommend in favour of my transferring out of the DBP

What could they have done better?

Nothing. Andrew was very responsive to all my questions and concerns

What were the circumstances that caused you to initially look for an adviser?

Pension consolidation

How has Andrew Neligan helped you?

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.

Have you seen the outcome you were hoping for?

His approach makes a difference, I now I know my family will be taken care of after I am gone.

What were the circumstances that caused you to initially look for an adviser?

Approaching retirement and looking for advice.

How has Andrew Neligan helped you?

Explained all options, made a financial forecast and gave us confidence to proceed with our decisions.

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

starting to think about my reirment and recomended by a friend

How has Andrew Neligan helped you?

was very clear in givgin practical advice and listened to and understood our needs and wants

Have you seen the outcome you were hoping for?

the intitial report was very helpful

What could they have done better?

nothing

What were the circumstances that caused you to initially look for an adviser?

Previous IFA's performance was uninspiring and charges relatively high.

How has Andrew Neligan helped you?

By understanding my objectives and adopting a relatively cautious approach to investment in uncertain economic times. Andrew also kept his charges to a minimum and enabled his new investment funds to be transferred to my existing platform. He also advised upon any tax implications which hadn't occurred to me during the transfer.

Have you seen the outcome you were hoping for?

The transfer appears to have gone smoothly, but it is too early to comment on the new investment funds performance as I am a new customer of Andrew's as @ Jan. 2020.

What could they have done better?

Nothing comes to mind.

What were the circumstances that caused you to initially look for an adviser?

I had a Final Salary Pension Scheme which was due to commence payment and as I am continuing to work I needed advice on my options. Although I am a Financial Adviser myself neither I nor my colleague hold the relevant qualifications to advise in this area.

How has Andrew Neligan helped you?

Andrew reviewed my personal circumstances and attitude to investment risk carefully over several meetings before analysing the scheme and providing me with a comprehensive, yet easy to understand, report outlining the options available to me along with a recommendation based on my objectives. Having accepted his recommendation he then assisted me with the paperwork required to put my plan into action, following up with regular communication at each stage.

Have you seen the outcome you were hoping for?

Yes. I am now able to control my own retirement provision whilst ensuring that I can manage my personal tax position effectively.

What could they have done better?

Andrew could not have done more for me. Based on this I will happily recommend his services to my own clients who require this type of advice in future as it is a specialist area for which I am not authorised.

What were the circumstances that caused you to initially look for an adviser?

I went to Mr Nelligan with a small inheritance and knowing absolutely nothing about investment or the stock market, but wanting to ensure as far as possible that I did not become a financial liability to the family when I got older.

How has Andrew Neligan helped you?

Over the course of several meetings, Mr Nelligan explained the workings of this (to me) totally unfamiliar territory with incredible patience, making quite sure I understood all its complexities, possibilities and perils before moving on to the actual investment process. When he was quite sure that I understood what I was doing, he helped me through all the necessary technicalities and paperwork, and assured me if I had any future concerns he would be happy to advise me further. He remains in contact with regular newsletters and updates.

Have you seen the outcome you were hoping for?

I am very happy with my investment situation as Mr Nelligan has helped me to set it up.

What could they have done better?

Mr Nelligan has been helpful beyond the call of duty. He could not have done anything better.

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Andrew Neligan helped you?

Andrew gave a thoroughly professional assessment and easy to understand report of our financial situation to help us plan for our retirement.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Cannot fault the service

What were the circumstances that caused you to initially look for an adviser?

My wife and were seeking assistance with planning our transition into retirement next year and in optimizing our future financial arrangements. We were keen to develop a long-term association with an independent financial adviser

How has Andrew Neligan helped you?

Andrew began by meeting us without prior commitment or cost and spent several hours getting to know us, in our current situation and our priorities for the future. He was careful to emphasise his immediate focus was more about understanding our personal aspirations associated with our retirement than our finances. Following this meeting, we discussed with Andrew and agreed an immediate agenda concerning the financial planning and advice he would provide, together with a clear understanding of options concerning a long-term professional relationship and associated fee structures. Having formalised arrangements through a Letter of Engagement and Service Charter, Andrew then set up an on-line information portal through which we were able to submit and receive sensitive information as we progressed through various stages of personal financial profiling. As agreed, Andrew then prepared an presented at a further meeting, a comprehensive cash flow forecast, demonstrating how our retirement plans, assets and related income and expenditure could evolve over time, based on a number of defined assumptions and risk profiles. Various 'what if' scenarios helped us to understand the impact of different life choices and decisions, such as annuity purchase, downsizing, earlier or delayed retirement etc. Andrew's analysis and advice to date has significantly enhanced our understanding of our current and future financial status, the life options available to us when we we retire and our confidence in being able to successfully manage the transition from full-time employment.

Have you seen the outcome you were hoping for?

Very much so. We have greatly appreciated the personal and extremely professional financial advisory service provided by Andrew to date and are looking forward to continuing our relationship with him as we progress our plans and move into retirement.

What could they have done better?

We cannot think of anything Andrew could have done better in his capacity as a financial adviser

What were the circumstances that caused you to initially look for an adviser?

I needed retirement planning advice

How has Andrew Neligan helped you?

Andrew put together a cash-flow forecast for our retirment taking into account the many contributing factors and time-frames.

Have you seen the outcome you were hoping for?

Yes, we now have a workable cash-flow forecast and clear idea of possible parameters.

What could they have done better?

I'm not aware of any way in which Andrew's advice could have been improved or more more clear.

What were the circumstances that caused you to initially look for an adviser?

We were looking for advice with regard to taking income in retirement.

How has Andrew Neligan helped you?

Andrew listened to our situation and then provided a report that detailed an effective strategy going forward.

Have you seen the outcome you were hoping for?

Yes. Andrew helped us evaluate our situation and came up with a suitable plan. We were both impressed with his financial knowledge and professionalism. He has a easy approachable manner.

What could they have done better?

I cannot think of anything with regard to this piece of work.

What were the circumstances that caused you to initially look for an adviser?

Help with Investments and Retirement Planning

How has Andrew Neligan helped you?

Andrew helped me prioritise my investment portfolio and reinforced my retirement planning options. I was extremely impressed by his knowledge and advice which overall lead to him providing excellent financial clarity. I would recommend him to anyone who is looking for sound advice and great service overall - thank you.

Have you seen the outcome you were hoping for?

Yes so far so good. Hopefully long term investments will come good.

What were the circumstances that caused you to initially look for an adviser?

I invest in ISAs and also have a Self Invested Pension Plan but needed advice what funds to invest in.

How has Andrew Neligan helped you?

Andrew suggested a very helpful approach to our combined finances where he draws up a financial forecast of my husband and my finances, then takes into account our life and financial objectives. He also manages our ISAs and my SIPP in a "wrapper" that allows investment across a number of funds and he undertakes rebalancing when needed.

Have you seen the outcome you were hoping for?

This approach helps us think through our financial and life goals. Andrew encouraged my husband to take the plunge and retire and I'm now working through what we'd need to do for me to slow down work-wise in the next five years

What could they have done better?

Can't think of much for Andrew to improve on. We've known him for about ten years and are very happy with his service.

What were the circumstances that caused you to initially look for an adviser?

We were releasing cash from a property and wanted to take some advice on the long term use of that cash

How has Andrew Neligan helped you?

He helped us see our financial situation in the wider context of our life and to plan how best to use our money for our goals

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

The financial services sector is so complex and heavily regulated it is often very difficult to get through jargon and well meant informative notes to what you really need to understand.

What were the circumstances that caused you to initially look for an adviser?

Andrew has been our adviser for a number of years. He has helped my wife and I get clear on what we need to do with our money so we can retire when we want to and pay off the mortgage early. He is available throughout the year should we have questions and always provides helpful advice that is in our best interest rather than his.”

How has Andrew Neligan helped you?

Andrew helped simply what had become a complex pensions landscape for us (multiple pensions from multiple jobs with multiple providers) - he helped us understand where we were vs where we wanted to be. He then found the right places for our money that would maximise growth whilst minimising charges.

Have you seen the outcome you were hoping for?

Yes. We now expect to be able to pay off 85% of our mortgage in the next year and our plan for semi-retirement at 55 is well on track.

What could they have done better?

Honestly - nothing. he has listened to our issues, challenged where he felt appropriate and then acted quickly.

What were the circumstances that caused you to initially look for an adviser?

Need

How has Andrew Neligan helped you?

Got me a great price for the product.

Have you seen the outcome you were hoping for?

yes

What were the circumstances that caused you to initially look for an adviser?

Looking for advice with retirement planning.

How has Andrew Neligan helped you?

Andrew provided us with excellent retirement planning advice, explaining things very clearly. His knowledge and advice were both excellent and honest and gave us the peace of mind we were looking for. He was very professional and personal and we now feel our retirement plans are under control.

Have you seen the outcome you were hoping for?

Hopefully in the long term.

What were the circumstances that caused you to initially look for an adviser?

My husband and I wanted to invest and take the appropriate risks to ensure financial stability in our retirement.

How has Andrew Neligan helped you?

Andrews financial advice has given me the peace of mind that comes from knowing we are financially secure and that we have someone we can trust to look after our money.

Have you seen the outcome you were hoping for?

Absolutely, I have no worries regarding the investment we made even during periods of uncertainty in the financial markets.

What could they have done better?

I still feel a little uneasy when using computer systems. Printed copies of reports would be preferred.

What were the circumstances that caused you to initially look for an adviser?

I retired early after taking a voluntary redundancy package. I looked to Andrew to provide the necessary financial advice to safeguard my financial future.

How has Andrew Neligan helped you?

Andrew has been managing my investment portfolio for a number of years now. His approach to investing has enabled me to reduce the fees I am paying and with less exposure to the UK. He also keeps in regular contact throughout the year. I have complete faith in the job Andrew is doing for me.

Have you seen the outcome you were hoping for?

Yes. My portfolio has seen steady growth in line with the risks I indicated I wanted to take.

What could they have done better?

Nothing so far. I am happy with the way my portfolio is reported, the frequency of reporting, the formats and the technology used.

What were the circumstances that caused you to initially look for an adviser?

Looking for investments

How has Andrew Neligan helped you?

Andrew really took the time to understand my ambitions, so he could devise a financial approach to achieve what me and my family value. Andrew keeps in regular contact and is always on hand to offer advice around savings, investment, pensions and life in general! I would recommend Andrew to my family and friends.

Have you seen the outcome you were hoping for?

So far

What were the circumstances that caused you to initially look for an adviser?

My husband and I wanted to plan for our family's future to ensure we have the financial stability and security we need.

How has Andrew Neligan helped you?

Andrew helped us focus on our priorities in the short, medium and long term. He never rushed us but asked useful questions and provided great insights to guide our thinking. He then provided us with a holistic investment plan and a suggestion for various insurances that I am confident will set us up excellently for a secure future. He also took time to help us understand how we can ensure our investments not only meet our financial needs but also are aligned with our ethical goals too. He never pushed us in a particular direction but listened carefully and did some additional research to answer our questions.

Have you seen the outcome you were hoping for?

I feel incredibly reassured that we have taken the time now to think of our future and have a clear plan in place. Andrew is patient, a great listener and also very knowledgeable. My husband and I are confident that our ongoing relationship with Andrew will ensure regular review to keep us on track.

What were the circumstances that caused you to initially look for an adviser?

I had a small deferred protected benefit pension and realised it would be more useful to me personally if I transferred it to a flexible scheme, taking advantage of current high transfer values.

How has Andrew Neligan helped you?

He preferred not to transfer initially, so was very honest. After a couple of discussions he accepted the reality of my particular circumstances and assumptions for the future; he agreed a transfer might be favourable (using an industry standard forecasting tool). He discouraged my wife a similar notion, thereby precluding a potential second fee.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing springs to mind. I spoke to several advisers before choosing Andrew and he came across as knowledgeable and fair rather than opportunistic and exploitative.

What were the circumstances that caused you to initially look for an adviser?

Post divorce settlement for our elderly father-in-law.

How has Andrew Neligan helped you?

He met with us, guided us through the forms and clearly answered questions for us and Father.

Have you seen the outcome you were hoping for?

Yes and delivered in a very timely manner.

What were the circumstances that caused you to initially look for an adviser?

I sought Andrew's advice having retired early following redundancy. Andrew skilfully assessed our resources, expectations and propensity for investment risk. Based on this, he made recommendations and suggested our options for the future. Consequently I am entering this new phase of my life with confidence. Andrew is truly impartial.

How has Andrew Neligan helped you?

He got to know me and my wife, assessed our situation and wishes and advised on the options moving forward. We didn't need to commit to using his services until we really knew what we would be getting. I am also on the mailing list for his newsletters and guides which are very helpful and interesting. His advice to young people embarking on their careers was well received by my grown up children.

Have you seen the outcome you were hoping for?

Absolutely. Andrew met with us at the end of the assessment to go through his report and to make sure that we understood both the way it was worked out and our options moving forward. I know that he would continue to provide advice.

What could they have done better?

This isn't the first time I have had professional advice and having had a really good experience before so my expectations are high and Andrew didn't disappoint His services aren't cheap but he provided great value for money.

What were the circumstances that caused you to initially look for an adviser?

A previous advisor had retired and we were looking for an overall review of our finances and development of a plan for our years ahead.

How has Andrew Neligan helped you?

Helped us to look at our life goals and how we could then achieve them. Other previous advisors have focussed on the money without really looking at what it is needed for.

Have you seen the outcome you were hoping for?

We are at the start of the journey and so far so good!.

What could they have done better?

He could have come to meetings with champagne and caviar. Apart from that, nothing so far!

What were the circumstances that caused you to initially look for an adviser?

I needed formal advice regarding a (significant) transfer out from a Defined Benefits pension scheme.

How has Andrew Neligan helped you?

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.

Have you seen the outcome you were hoping for?

Yes, and in a better way: 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 IFA's 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.

What could they have done better?

Nothing to add

What were the circumstances that caused you to initially look for an adviser?

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.

How has Andrew Neligan helped you?

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.

Have you seen the outcome you were hoping for?

Yes, the review from Andrew covered all the aspects we wanted, although we have opted to manage our own investment portfolio.

What could they have done better?

Andrew provided a very comprehensive report with accompanying documentation in multiple pdf format. Our preference would have been to receive this as a printed report for ease of reading and reference”.

Please provide a brief comment about your experience with Andrew

Initial consultation was very promising. We hope this will lead to a long term relationship.