Andrew Neligan

Review from verified client

November, 2023

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

Planning for retirement and a periodic review of life balance

Have you seen the outcome you were hoping for?

Yes

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

What could they have done better?

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

Andrew's reply

Many thanks for taking the time to leave this review, Melissa. It's a pleasure helping the two of you get the most out of your retirement.

Review from verified client

November, 2023

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.

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.

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.

What could they have done better?

Nothing

Andrew's reply

Hi Karen, Thanks for taking the time to write this review, it's much appreciated. I'm really pleased to be able to help the two of you as you plan your future. Best wishes, Andrew

Review from verified client

November, 2023

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.

Have you seen the outcome you were hoping for?

I can definitely see the value of my savings easily.

How has Andrew Neligan helped you?

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

What could they have done better?

I have been satisfied with the work on my behalf.

Andrew's reply

Ruth, Thank you for taking the time to provide this feedback. It is very helpful and pleasing to know you value the relationship we have. Best wishes, Andrew

Review from verified client

June, 2023

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

Having children and wanting to invest and estate plan

Have you seen the outcome you were hoping for?

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

How has Andrew Neligan helped you?

ISA and pension investment decisions, financial modelling and estate planning

Andrew's reply

Hi Gareth, Thank you for taking the time to leave this review, it's a pleasure to help the three of you. You are correct; markets could have been kinder over the past year or so but, as you know, they will continue their upward trend before too long. Andrew

Review from verified client

May, 2023

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

Required a new advisor for investment advise.

Have you seen the outcome you were hoping for?

Yes currently.

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.

Andrew's reply

Hi Michael, Thank you for taking the time to leave this review. I’m pleased to be able to help the two of you tidy up your investments. It’s been a pleasure to get to know you both. Andrew

Review from verified client

April, 2023

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.

Have you seen the outcome you were hoping for?

Yes

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.

What could they have done better?

Nothing

Andrew's reply

Hello Caroline, I've enjoyed helping you over the past few years. It's a shame our professional relationship has ended but what we have set up for you has put you in a secure position to enjoy the rest of your retirement. Best of luck with everything. Andrew

Review from verified client

April, 2023

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

Needed some professional advice from a respected IFA.

Have you seen the outcome you were hoping for?

Yes

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.

What could they have done better?

N/A

Andrew's reply

Pete, Thank you for providing this review. I was pleased to be able to help you with your retirement planning. Andrew

Review from verified client

April, 2023

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.

Have you seen the outcome you were hoping for?

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

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.

What could they have done better?

Nothing comes to mind.

Andrew's reply

Hi Chris, Thank you for taking the time to leave this review. I have enjoyed helping you plan your finances over the past 5 years. Kind regards, Andrew

First impression from a user who is not yet a client

March, 2023

Please provide a brief comment about your experience with Andrew

Very helpful and concise, thank you

Andrew's reply

Hi Bob, Thank you for contacting me and for leaving this review. Should you need my advice in the future I'll be pleased to assist. Andrew

First impression from a user who is not yet a client

March, 2023

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.

Andrew's reply

Thank you for your time and openness Judith. It will be a pleasure to help you plan your future.

First impression from a user who is not yet a client

March, 2023

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

Andrew's reply

James, Thank you for your review. I enjoyed our discussion and look forward to help you achieving your priorities. Kind regards, Andrew

First impression from a user who is not yet a client

March, 2023

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.

Andrew's reply

Thank you Tara. I pleased you found the meeting useful. I’ll be pleased to assist you further.

Review from verified client

March, 2023

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.

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.

How has Andrew Neligan helped you?

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

Andrew's reply

Thank you Ellen. I was pleased to be able to help you plan for your retirement. Best wishes for the future, and let me know whenever I can help further. Andrew

Review from verified client

February, 2023

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.

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.

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.

What could they have done better?

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

Andrew's reply

It’s been a pleasure working with you both. I’m pleased to know I have helped your retirement planning, particularly bringing forward your plans.

First impression from a user who is not yet a client

February, 2023

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.

Andrew's reply

John, Thank you very much for taking the time to leave this review. Trust and transparency are really important to me so I'm pleased that is what you feel you received. I will be pleased to assist you both should you decide to become a client, but I appreciate it is a very personal decision you both must feel comfortable with. Andrew

Review from verified client

February, 2023

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.

Have you seen the outcome you were hoping for?

Yes and more.

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.

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

Andrew's reply

Hi Jeremy, Thank you for your positive comments. It was a pleasure to help you both plan for your future. I look forward to working with you on that journey. Andrew

First impression from a user who is not yet a client

November, 2022

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.

Andrew's reply

Hi Ellen, Thanks for taking the time to do this and so promptly. It is really helpful and appreciated. I look forward to helping you with your retirement planning. Best wishes, Andrew

Review from verified client

November, 2022

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

Approaching retirement

Have you seen the outcome you were hoping for?

I have confidence I will.

How has Andrew Neligan helped you?

Good clear information and carried out the planned investments.

What could they have done better?

Everything I wanted has been achieved

Andrew's reply

Paul, Thank you for your review. It's a pleasure to help you both with your retirement planning. Andrew

Review from verified client

November, 2022

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.

Have you seen the outcome you were hoping for?

Yes, and more.

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.

What could they have done better?

Can't think of anything.

Andrew's reply

Hi Julie, It’s been a pleasure working with you both over the past couple of years. Good Luck with your emigration. If you ever come back to the UK I’ll be pleased to work with you again. Andrew

Review from verified client

October, 2022

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.

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.

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.

Andrew's reply

Hi Karen & Fran, Thanks for taking the time to leave this review. I’m delighted to be able to help you both and look forward to doing so in the years to come. Andrew

Review from verified client

October, 2022

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.

Have you seen the outcome you were hoping for?

Yes

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.

What could they have done better?

I am completely happy with the help I have received.

Andrew's reply

Hi Ruth, Thanks for your kind words. I’m pleased to help you sort out your finances and look forward to helping you in the years to come. Andrew

First impression from a user who is not yet a client

October, 2022

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!

Andrew's reply

Hi Chris, many thanks for taking the time to leave this review. I'm really pleased our meeting was helpful to you. I'll be here if and when you are ready for my services.

First impression from a user who is not yet a client

October, 2022

Please provide a brief comment about your experience with Andrew

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

Andrew's reply

Thanks for taking the time to leave this review Dave. It was good to meet you. I'll be pleased to help as and when you are both ready.

First impression from a user who is not yet a client

October, 2022

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.

Andrew's reply

Thank you for your review Mel. It was a pleasure to help you both with your immediate questions and will be happy to help in the future as and when you need me.

First impression from a user who is not yet a client

September, 2022

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.

Andrew's reply

Hello David, Thank you for taking the time to write this review. It was a pleasure to meet you both. If you need my help in the future I'd be more than happy to help. Kind regards, Andrew

Review from verified client

August, 2022

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

For help and advice on pension provision.

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.

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.

What could they have done better?

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

Andrew's reply

Hello Janice, Thank you for taking the time to leave this review. I’d be happy to help with any questions or advice needs you may have in the future. Kind regards, Andrew

Review from verified client

July, 2022

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

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

Have you seen the outcome you were hoping for?

Yes

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.

What could they have done better?

N/A

Andrew's reply

Ian, Thanks for taking the time to provide this review and for your kind words. I look forward to supporting you both to achieve your various lifetime priorities. I would also gladly speak to any friends and family you feel could benefit from my services. Kind regards, Andrew

Review from verified client

July, 2022

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

Have you seen the outcome you were hoping for?

Yes!

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.

What could they have done better?

N/A

Andrew's reply

Hi Sarah, Many thanks for taking the time to write this review. It is a real help to me and others looking to receive advice. I really enjoy working with you and look forward to helping achieve your various priorities. Best, Andrew

Review from verified client

May, 2022

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

Needed overall review of finances and a clear investment strategy

Have you seen the outcome you were hoping for?

Yes

How has Andrew Neligan helped you?

Helps to provide clarity of financial and life goals

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.

Andrew's reply

Thanks for your review Alan. It's a pleasure working with you both to help you plan your future. I'm pleased to be able to provide some clarity and hopefully making the complex world of financial services a little less confusing!

Review from verified client

April, 2022

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

Planning for Retirement

Have you seen the outcome you were hoping for?

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

How has Andrew Neligan helped you?

By providing the financial appraisal and advice.

Andrew's reply

Hi Adrian, I was pleased to be able help you both plan your retirement in Sidmouth. I wish you every success with it. Kind regards, Andrew

Review from verified client

March, 2022

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.

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.

How has Andrew Neligan helped you?

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

What could they have done better?

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

Andrew's reply

Hi Richard, Thank you for your review. It was a pleasure to be able to help the two of you ensure you are set up to achieve your priorities and are using your money accordingly. Kind regards, Andrew

Review from verified client

January, 2022

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.

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.

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.

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.

Andrew's reply

Richard, thanks for taking the time to leave this review and for your kind words. It will be a pleasure to help you sort your retirement finances. Andrew

Review from verified client

January, 2022

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.

Andrew's reply

Thank you for taking the time to write this review Paul. It's been a pleasure helping you with your retirement decisions.

Review from verified client

December, 2021

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.

Andrew's reply

Hi Caroline, Many thanks for your kind words. It's been (and will be) a pleasure to work with you as you approach and enter the next phase of your life. Best wishes, Andrew

Review from verified client

December, 2021

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

Andrew's reply

Hi Simon, Thank you for your review. It was good to be able to get your pension back to 'Blighty'! I look forward to helping you achieve your various priorities and you plan and enjoy your future. Best regards, Andrew

Review from verified client

November, 2021

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.

Andrew's reply

Hello Tim, Thank you for taking the time to provide this review, and for your kind words. I was pleased to be able to provide the analysis and help with your retirement decision. Kind regards, Andrew

Review from verified client

November, 2021

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.

Andrew's reply

JM, Thank you for taking the time to provide this review. I'm pleased to have been able to help and look forward to working with you over the years to help you achieve your priorities. Andrew

Review from verified client

October, 2021

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.

First impression from a user who is not yet a client

October, 2021

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.

Andrew's reply

Julian, Thank you for taking the time to provide this first impression, it is really helpful. I'm pleased to know I was of help to you. I'm here should you wish to proceed. Kind regards, Andrew

Review from verified client

September, 2021

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.

Andrew's reply

Thank you for your kind words, Ruth. I'm pleased to have helped and provide clarity to your financial situation. I look forward to working with you over the years to come.

Repeat review from verified client

May, 2021

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

Andrew's reply

Hi Robert, Thank you for your review. I'm pleased to be able to give you peace of mind as you embark on the next stage of your life. Andrew

Review from verified client

May, 2021

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

Andrew's reply

Hi Alan, Thank you for the review. It's been a pleasure helping your mother get clearer on her finances and use her money in a way that is meaningful to her. Andrew

Review from verified client

March, 2021

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.

Andrew's reply

Hi Steve, Thank you for taking the time to leave this review. I've really enjoyed getting to know, and helping you and Susan and look forward to working with you both over the years. Andrew

Review from verified client

February, 2021

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

Andrew's reply

Caroline, Thank you for taking the time to leave this review. It's been a pleasure helping you work out your retirement plans. I look forward to welcoming you to Devon and working with you as you move into retirement. Andrew

Review from verified client

January, 2021

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

Review from verified client

November, 2020

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.

Andrew's reply

Simon, Many thanks for taking the time to provide a review. I am really pleased to have been able to assist you and the family in this complex area. Best wishes for future. Andrew

Review from verified client

May, 2020

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

Review from verified client

April, 2020

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

Andrew's reply

Thank you Robert. I'm pleased to be able to help with your retirement planning.

Review from verified client

January, 2020

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.

Andrew's reply

Mark, Thank you for your review. I'm pleased to have been able to help and get you to a more cost-effective portfolio position that is better aligned to your short and long-term priorities. Kind regards, Andrew

Review from verified client

October, 2019

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.

Andrew's reply

Robin, Thank you. I was pleased to be able to help you with this complicated area of advice. It is always pleasing when one of your peers values the work you do. Best wishes, Andrew

Review from verified client

October, 2019

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.

Andrew's reply

Marguerite, thank you for your review. I'm pleased to have been able to help you with this important sum of money and to make the complex a little easier to understand.

Review from verified client

July, 2019

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

Andrew's reply

Many thanks for your comments Patrick. I'm pleased to be able to help. Kind regards, Andrew

Review from verified client

July, 2019

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

Andrew's reply

Nigel, Many thanks for your kind words. I've enjoyed meeting with you both and helping you plan for your futures. I look forward to working with you as you transition into retirement and beyond. KInd regards, Andrew

Review from verified client

May, 2019

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.

Andrew's reply

Thanks Rob. I'm pleased to have been able to help with your retirement planning.

Review from verified client

December, 2018

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.

Andrew's reply

Kevin, Thank you for your kind words. I'm really pleased to have been able to help. Best wishes for a successful retirement. Andrew

Review from verified client

November, 2018

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.

Review from verified client

November, 2018

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.

Andrew's reply

Isobel, thank you so much for your kind review. I've really enjoyed working with you both over the past 10 years (where did the time go?!). It's been great to be able to give you both the clarity for your money so Dave can stop work and we can work on your plan too!

Review from verified client

November, 2018

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.

Review from verified client

November, 2018

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.

Andrew's reply

Thank you for your kind words, Pete. I'm really pleased to be able to help you both and am always here whenever you need me.

Review from verified client

November, 2018

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

Andrew's reply

Ash, thanks for your review. It was good to be able to make sure your family are cared for and the mortgage can be paid off in the event of your death.

Review from verified client

November, 2018

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.

Andrew's reply

Thank you Mel for your review. I enjoyed helping you both plan for your future and will continue to do so as your plans become a reality.

Review from verified client

November, 2018

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.

Andrew's reply

Thank you for your comments. I'm always happy to accommodate where I can so I shall see what I can do for the printed statements.

Review from verified client

November, 2018

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.

Review from verified client

November, 2018

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

Andrew's reply

Thank you, Gareth. I've enjoyed helping the two of you formalise your plans. It makes my life easier when clients take a pro-active approach to their money. I look forward to seeing you achieve the ambitions you have for the three of you.

Review from verified client

November, 2018

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.

Andrew's reply

Caroline, many thanks for your kind words. I'm pleased to be able to assist you and look forward to helping you achieve your lifetime priorities.

Review from verified client

August, 2018

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.

Andrew's reply

Thank you for your kind words. For many people transfer their deferred pensions is not appropriate but your circumstances warranted it. I was pleased to be able to help and look forward to working with you over the long-term.

Review from verified client

May, 2018

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.

Review from verified client

March, 2018

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.

Andrew's reply

Thank you Nick. I'm really pleased to have been able to help you both. I look forward to working with you in the future as and when it is required. In the meantime, best wishes for a happy and successful retirement.

Review from verified client

December, 2017

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!

Andrew's reply

Thanks Alan, I'm delighted to have been able to help this far and look forward to working with both in the years to come. Maybe champagne and caviar next time!

Review from verified client

June, 2017

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

Andrew's reply

Thank you Ward. I was pleased to assist and look forward to working with you to achieve your lifetime priorities.

Review from verified client

April, 2017

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”.

Andrew's reply

Thank you Nigel for your kind review. It was a pleasure working with you to provide the re-assurance and guidance you need at this time. Thanks also for your comments on the nature of the report. My preference is to adopt a paper free process as much as possible for environmental reasons but of course it is an easier method for some to digest information. I shall be sure to offer both options in the future. Andrew

First impression from a user who is not yet a client

February, 2017

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.

Review from verified client

December, 2016